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Prosperity Elite 7 Enhancement

Prosperity Elite 7 Enhancement is your sure card to a worry-free comfortable retirement. Its flexible options and guaranteed interest rates are a win for anyone eyeing a steady income post-retirement.

You'll love its safety net for life's unexpected turns, plus its risk-free stance that shields your hard-earned savings. Truly, a treasure and peace of mind for tomorrow!

Fidelity & Guaranty Life Insurance Company

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Prosperity Elite 7 Enhancement

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Ratings:

A.M. Best A
Fitch A-
S&P A-
Moody's A3
Comdex 70

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About Product

Type

Fixed Index

Purpose

Accumulation & Legacy

Premium Bonus

Term

7 Years

Surrender schedule

10%9%8%7%6%5%4%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP

Launch Date

04/22/2011

The Prosperity Elite 7 Enhancement is a flexible premium deferred annuity with a 7-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.

Additionally a Guaranteed Minimum Death Benefit Rider is included.

Available in states: AL, AK, AZ, AR, CA, CO, 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

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.75% Fixed
1-Year Gold PTP Cap	Point to Point Annual	9.5% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	7.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.3% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	7.25% Cap
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread	Point to Point Biennial	230% Participation
2-Year GS Global Factor PTP Participation Rate	Point to Point Biennial	290% Participation
2-Year GS Global Factor PTP Participation Rate with Spread	Point to Point Biennial	250% Participation
1-Year GS Global Factor PTP Participation Rate	Point to Point Annual	170% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate	Point to Point Biennial	275% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread	Point to Point Biennial	235% Participation
1-Year CIBC Balanced Asset 5 PTP Participation Rate	Point to Point Annual	165% Participation
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	5.5% Performance triggered

Surrender schedule

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

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Investment Amount $

Riders

Name	Inbuilt	Fee
GMDB Prosperity Elite Enhancement Package	Yes	0.60% annually

Waivers

Nursing Home

Unavailable in states: MA, and SD

Confinement must begin at least 1 year after contract effective date. Must be confined to nursing home for at least 60 days. Home Health Care is an acceptable option.

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.

ADL

Unavailable in states: FL, MA, SD, and WI

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

Flexible Premium
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 $1,000,000.
The minimum Allocation to any account is $2,000 per contract year.

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

Withdrawal Provisions

Free Withdrawals

Each contract year, after the end of the first contract year, free partial surrender of up to 10% of the vested account value as of the prior anniversary.