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

Accumulator Plus 10

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Highlights

The FG AccumulatorPlus 10 is a flexible premium deferred annuity with a 10-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: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Term
10 Years
Surrender schedule
12%11%10%9%8%7%6%5%4%3%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
12/18/2017
Minimum contribution
$10,000
Maximum contribution
$2,500,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, IRA-Roth, Inherited IRA, and TSP
Brochure
Open brochure

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Premium Notes

Eligible ages
Non-qualified: 0-85
Qualified: 18-85
If joint owner, eligibility is based on older owner’s age

Initial Premium and Transfers 
The minimum initial premium is $10,000. 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
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 $2,500,000.
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
  • Minimum guaranteed surrender value
Annuitization 
If annuitization occurs in the first five contract years, we will apply the greater of the surrender value and MGSV. If annuitization occurs after the fifth contract year, we will apply the greater of the account value and MGSV.  Some states allow waiver of surrender charges upon annuitizing prior to the fifth contract year. For FG AccumulatorPlus 10 some states allow annuitization at the surrender value, not at the account value.
 
Free Withdrawals 
Each contract year, after the end of the first contract year, free partial surrender of up to 10% of the account value as of the prior anniversary. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
60% Participation
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
355% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
14.75% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3.95% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
19.75% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
15% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.75% Cap
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
315% Participation
2-Year GS Global Factor PTP Participation Rate with Spread
Point to Point
Biennial
340% Participation
2-Year GS Global Factor PTP Participation Rate
Point to Point
Biennial
380% Participation
1-Year GS Global Factor PTP Participation Rate with Spread
Point to Point
Annual
230% Participation
1-Year GS Global Factor PTP Participation Rate
Point to Point
Annual
290% Participation
1-Year S&P 500 Performance Trigger with charge
Performance Triggered
Annual
8.75% Performance triggered
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
7% Performance triggered

Surrender schedule

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

Riders

No Riders for Accumulator Plus 10 annuity.

Waivers

Nursing Home

Unavailable in states: MA

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 In AK, AL, CT, ID, MN, MS, MT, OR, PA, PR and WA, care or confinement must begin after the contract effective date.

Terminal Illness

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

ADL

Unavailable in states: MA

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 2of 6 activities of daily living (for at least 60 days and expected to continue for at least 90 days after requesting withdrawal) In AK, AL, CT, ID, MN, MS, MT, OR, PA, PR and WA, care or confinement must begin after the contract effective date.

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