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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Accelerator Plus 14

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Highlights

The FG Accelerator Plus 14 is a flexible premium deferred annuity with a 14-year surrender charge period offering multiple index options and one fixed interest rate option. It is designed to be a long-term retirement savings tool with a variety of options to help you achieve the standard of living you want during your retirement. 
Available in states: AZ, AR, CO, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MI, MO, NE, NH, NM, NC, ND, RI, SD, TN, VA, WV, WI, and WY
Type
Fixed Index
Purpose Lifetime Income
Premium Bonus
10%
Term
14 Years
Surrender schedule
14.75%13.75%12.75%11.75%10.75%10%9%8%7%6%5%4%3%2%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
02/21/2018
Minimum contribution
$10,000
Maximum contribution
$2,000,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, IRA-Roth, Inherited IRA, and TSP
Brochure
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Premium Notes

Eligible ages
Non-qualified: 0-85
Qualified: 18-85
Indiana Max Age is 80
Florida Max Age is 64
If joint owner, eligibility is based on older owner’s age

Initial Premium and Transfers 
The minimum initial premium is min Premium. If your client chooses to reallocate the account value between options on an annuity anniversary, at least $2,000 must remain in each option.

Flexible Premium
The minimum for subsequent premiums is added Premium. Any additional premium will be placed initially into the fixed interest option. On the annuity anniversary, the client may reallocate any portion of the account value between any of the options.
Any additional premium (the amount of money you may at any time and as often as you want until the Maturity Date) must be at least $2,000 and may not exceed $2,000,000.
The minimum Allocation to any account is $2,000 per contract year.

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Death benefit
Prior withdrawals reduce benefit amounts. Interest rates are subject to change. Partial index credit, if applicable, paid up to the date of death. 
Paid as a lump sum, greatest of: 
  • Account value, including the total vesting bonus, even if not fully vested;
  • Minimum guaranteed surrender value.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4% Fixed
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread
Point to Point
Biennial
325% Participation
2-Year BlackRock Market Advantage PTP Participation Rate with Spread
Point to Point
Biennial
235% Participation
1-Year BlackRock Market Advantage PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year GS Global Factor PTP Participation Rate
Point to Point
Annual
220% Participation
1-Year GS Global Factor PTP Participation Rate
Point to Point
Annual
280% Participation
2-Year GS Global Factor PTP Participation Rate with Spread
Point to Point
Biennial
325% Participation
2-Year GS Global Factor PTP Participation Rate
Point to Point
Biennial
370% Participation
2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread
Point to Point
Biennial
270% Participation
5% Spread
2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread
Point to Point
Biennial
240% Participation
5% Spread
1-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread
Point to Point
Annual
210% Participation
5.5% Spread
1-Year CIBC Balanced Asset 10 PTP Participation Rate
Point to Point
Annual
115% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Biennial
370% Participation
1-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Annual
280% Participation
1-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread
Point to Point
Annual
280% Participation
1.25% Spread
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3.6% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
13% Cap
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
330% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
290% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.7% Cap
1-Year S&P 500 Performance Trigger with charge
Performance Triggered
Annual
8.5% Performance triggered
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
6.75% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14
Penalty 15% 14% 13% 12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 2%

Riders

Name Inbuilt Fee
FG Accelerator Plus 14 EGMWB Yes 0.95% annually
FG Accelerator Plus 14 GMWB (HI, IL) Yes 0.95% annually

Waivers

Nursing Home

Nursing Home Care (in a licensed nursing home) • Confinement must begin at least 1 year after contract effective date • Must be confined to nursing home for at least 60 days

Terminal Illness

Terminal Illness • Diagnosis must be made at least 1year after contract effective date (Limitations and considerations may vary from state to state.) and certified by licensed physician • Life expectancy must be less than 1 year

ADL

Home Health Care (provided by licensed home health care provider) • Care must begin at least 1 year after contract effective date • Must be unable to perform at least 2 of 6 activities of daily living (for at least 60 days and expected to continue for at least 90 days after requesting withdrawal)

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