Fidelity & Guaranty Life Insurance Company

based on complex data

Annuity Educator Rating

Annuity review

F&G Confidence Builder

The Fidelity & Guaranty Life Insurance Company, also known as F&G for short, was established in 1959. Presenting a broad range of insurance solutions, which include annuities and life insurance policies, the company strives to guide its clients toward financial stability. One of F&G’s standout products is its innovative fixed-indexed annuity, which provides customers the potential for growth with downside protection in the case of market recessions.

F&G Confidence Builder

Your Email

Compare this annuity with 827 others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,500,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, TSA 403b, SEP IRA, IRA-Roth, Inherited IRA, and Roth Conversion (Full)

Launch Date

02/01/2024

F&G Confidence Builder Registered Index-Linked Annuity (RILA), is designed to be an integral part of your long-term financial strategy. It offers:

A level of downside protection against market volatility
Growth potential through indexed interest crediting strategies
Flexibility to choose between 1-, 3- and 6-year crediting periods, allowing you to adapt to changing market conditions

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VI, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
6-Year Hindsight 20/20 PTP Cap with 10% Buffer	Blend 6-Year
6-Year Russell 2000 Annual Lock Cap with 10% Buffer	Annual Lock 6-Year	14.5% Cap
6-Year MSCI EAFE Annual Lock Cap with 10% Buffer	Annual Lock 6-Year	17.5% Cap
6-Year S&P 500 Annual Lock Cap with 10% Buffer	Annual Lock 6-Year	15.75% Cap
1-Year Fixed Account	Fixed	4.25% Fixed
1-Year MSCI EAFE PTP Cap with 20% Buffer	Point to Point Annual	14.25% Cap
6-Year Russell 2000 PTP Cap with 10% Buffer	Point to Point 6-Year
6-Year MSCI EAFE PTP Cap with 10% Buffer	Point to Point 6-Year
6-Year S&P 500 PTP Cap with 10% Buffer	Point to Point 6-Year
1-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Annual	21.5% Cap
1-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Annual	20.25% Cap
1-Year MSCI EAFE PTP Cap with 10% Buffer	Point to Point Annual	24% Cap
1-Year Russell 2000 PTP Cap with 10% Buffer	Point to Point Annual	25% Cap
1-Year Russell 2000 PTP Cap with 20% Buffer	Point to Point Annual	16% Cap
3-Year Russell 2000 PTP Cap with 20% Buffer	Point to Point Triennial	55% Cap
3-Year Russell 2000 PTP Cap with 10% Buffer	Point to Point Triennial	100% Cap
3-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Triennial
3-Year MSCI EAFE PTP Cap with 20% Buffer	Point to Point Triennial	75% Cap
3-Year MSCI EAFE PTP Cap with 10% Buffer	Point to Point Triennial
1-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Annual	14.25% Cap
3-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Triennial	45% Cap
6-Year S&P 500 PTP Cap with 20% Buffer	Point to Point 6-Year	500% Cap
6-Year Russell 2000 PTP Cap with 20% Buffer	Point to Point 6-Year	500% Cap
6-Year MSCI EAFE PTP Cap with 20% Buffer	Point to Point 6-Year	500% Cap
1-Year Russell 2000 Performance Trigger with 10% Buffer	Performance Triggered Annual	14.25% Performance triggered
1-Year MSCI EAFE Performance Trigger with 10% Buffer	Performance Triggered Annual	12% Performance triggered
1-Year S&P 500 Performance Trigger with 10% Buffer	Performance Triggered Annual	12.75% Performance triggered
1-Year Nasdaq-100 Performance Trigger with 10% Buffer	Performance Triggered Annual	12% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6
Penalty	7%	7%	6%	5%	4%	3%

Riders

No Riders for F&G Confidence Builder annuity.

Waivers

Nursing Home

Access your total account value with no surrender charges for qualified health care expenses. If you are confined to a nursing home, diagnosed with a terminal illness, or impaired and unable to complete 2 of 6 activities of daily living (ADLs), you may access your total account value with no surrender charges. The diagnosis of terminal illness, qualifying impairment or nursing home confinement must occur after the date of issue. Waiver requests must occur at least 1 year after issue date. These are defined conditions, and benefits and availability may vary from state to state.

Terminal Illness

ADL

Premium Notes

Eligible ages

Non-qualified: 0-80/Qualified: 18-80
If joint owner, eligibility is based on older owner’s age

Premium

Minimum premium: $25,000 ($2,000 per interest option)
Maximum premium: $1,500,000 (Premium above this amount requires home office approval)

Withdrawal Provisions

Penalty-free partial withdrawals (Based on initial premium in year 1, and previous anniversary account value thereafter.)Each contract year, you may withdraw ≤ 10.00% with no surrender charge. Withdrawals may be taken as:Systematic withdrawals on monthly, quarterly, or semi-annual basis; orUp to four non-systematic withdrawals per year.

Company Founded: 1959

Excellent Rated Company

Fidelity & Guaranty Life Insurance Company

Company Ratings