Fidelity & Guaranty Life Insurance Company
4.9
based on complex data
Annuity Educator Rating
Annuity review

Accelerator Plus 14

The "Accelerator Plus 14" annuity plan is a winner for anyone planning retirement. It promises steady income, safeguarding your future against market volatility. You can truly relax with this secure option.

With charming benefits from the product brochure, like interest bonuses and flexible withdrawal options, you won't have to worry about unexpected expenses. It's a golden opportunity for a worry-free retirement.

Accelerator Plus 14-brochure Accelerator Plus 14-brochure

Accelerator Plus 14

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About Product

Type
Fixed Index
Purpose
Lifetime Income
Premium Bonus
11%
Term
14 Years
Surrender schedule
14.75%
13.75%
12.75%
11.75%
10.75%
10%
9%
8%
7%
6%
5%
4%
3%
2%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
Yes
Return Of Premium
No
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
Launch Date
02/21/2018
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

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.75% Fixed
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread
Point to Point
Biennial
240% Participation
2-Year BlackRock Market Advantage PTP Participation Rate with Spread
Point to Point
Biennial
180% Participation
1-Year BlackRock Market Advantage PTP Participation Rate
Point to Point
Annual
130% Participation
1-Year GS Global Factor PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year GS Global Factor PTP Participation Rate
Point to Point
Annual
230% Participation
2-Year GS Global Factor PTP Participation Rate with Spread
Point to Point
Biennial
250% Participation
2-Year GS Global Factor PTP Participation Rate
Point to Point
Biennial
295% Participation
2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread
Point to Point
Biennial
210% Participation
5% Spread
2-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread
Point to Point
Biennial
180% Participation
5% Spread
1-Year CIBC Balanced Asset 10 PTP Participation Rate with Spread
Point to Point
Annual
160% Participation
5.5% Spread
1-Year CIBC Balanced Asset 10 PTP Participation Rate
Point to Point
Annual
90% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Biennial
280% Participation
1-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Annual
220% Participation
1-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread
Point to Point
Annual
165% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3.1% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.25% Cap
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
270% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
45% Participation
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
230% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.35% Cap
1-Year S&P 500 Performance Trigger with charge
Performance Triggered
Annual
7.25% Performance triggered
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
5.5% 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%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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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)

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 benefitPrior 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.

Company Founded: 1959
Excellent Rated Company
Fidelity & Guaranty Life Insurance Company
Company Ratings
4
  • A.M. Best A
  • Fitch A-
  • S&P A-
  • Moody's A3
  • Comdex 70
Assets: $47,616,107,572
Iowa

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