based on complex data

Annuity Educator Rating

Annuity review

Future Flex FIA

The Future Flex FIA lives up to its name in helping plan for a comfortable future. It offers principal protection and flexibility to adapt to changing economic rounds. By balancing risks and growth potentials, it aligns perfectly with retiree needs for steady income. Best of all, the interest grows tax-free until withdrawal!

The Future Flex FIA provides a fixed income stream for life, eliminating worries of outliving savings. Its variety of indices options guarantee a competitive earning potential, ensuring your hard-earned money is not just secure but also productive. This annuity product is truly a promising tool for a stress-free retirement!

Future Flex FIA

Your Email

Compare this annuity with 800+ others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

No agent will call you

About Product

Type

Fixed Index

Purpose

Accumulation

Term

4 Years

Surrender schedule

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$5,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, Stretch IRA, Inherited IRA, NQ Stretch, and TSP

Launch Date

02/12/2024

The Future Flex Fixed Index Annuity is a flexible premium deferred annuity that offers the flexibility to make additional contributions over time to increase your earning potential. Fixed index annuities are a type of investment that offers the opportunity to earn interest based on the performance of a stock market index while providing protection against market downturns.

Available in states: AL, AK, AZ, AR, 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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4% Fixed
2-Year Barclays Fortune 500 12% VC PTP Participation Rate	Point to Point Biennial	95% Participation
1-Year Barclays US Tech 12% PTP Participation Rate	Point to Point Annual	55% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Annual Booster	Point to Point Annual	75% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Annual Booster	Point to Point Annual	110% Participation
2-Year Barclays US Tech 12% PTP Participation Rate	Point to Point Biennial	85% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Annual Booster	Point to Point Biennial	115% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Annual Booster	Point to Point Biennial	170% Participation
1-Year Barclays Fortune 500 12% VC PTP Participation Rate	Point to Point Annual	60% Participation
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Annual Booster	Point to Point Annual	80% Participation
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Annual Booster	Point to Point Annual	120% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Annual Booster	Point to Point Biennial	125% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Annual Booster	Point to Point Biennial	190% Participation
1-Year Barclays Agility Shield PTP Participation Rate	Point to Point Annual	90% Participation
1-Year Barclays Agility Shield PTP Participation Rate Annual Booster	Point to Point Annual	120% Participation
1-Year Barclays Agility Shield PTP Participation Rate Annual Booster	Point to Point Annual	180% Participation
2-Year Barclays Agility Shield PTP Participation Rate	Point to Point Biennial	135% Participation
2-Year Barclays Agility Shield PTP Participation Rate Annual Booster	Point to Point Biennial	180% Participation
2-Year Barclays Agility Shield PTP Participation Rate Annual Booster	Point to Point Biennial	270% Participation

Surrender schedule

Year	1	2	3	4
Penalty	8%	8%	7%	7%

Hypothetical Projection

Comparison against S&P 500 using current rates

See if this annuity ranks in your top 3 for Ohio

Investment Amount

Riders

No Riders for Future Flex FIA annuity.

Waivers

Death

Surrender charges are waived at the death of the owner.

Nursing Home

Nursing Home Confinement and Home Health Care are included at no additional fee.

Terminal Illness

Critical Illness, Cognitive Impairment, and Terminal Condition are included at no additional fee.

Surrender Window

There are no surrender charges during the first 45 days of each subsequent surrender charge period. During those 45 days, the owner may choose to: 1. Continue their contract and apply their accumulation value to a new 4-year surrender charge period. Additional premium may be deposited during this time. 2. Make a partial surrender without paying surrender charges and apply the remainder to a new surrender charge period. 3. Surrender their contract without paying surrender charges. Note: If the owner doesn’t provide written notice of their choice during the 45-day window, option 1 automatically becomes effective.

Premium Notes

Issue ages 0–95
$10,000–$5M initial premium
Accepts qualified or non-qualified funds
Add premium throughout your contract ($1,000 min., $5M max. per year, and $10M max. per contract)
Ability to reallocate funds among the indices annually or biennially
Participation rates are guaranteed annually or biennially

Withdrawal Provisions

Free withdrawalIn all contract years, including the first year, the free withdrawal amount is 10% of the account value. If no withdrawal is taken in a given contract year, then the free withdrawal amount in the next contract year is 20% of the account value. Withdrawals will be first taken from the fixed interest rate account and then proportionally allocated across the investment options (unless the owner specifically requests the funds to be taken from specific index strategies). For qualified money, the required minimum distributions are free withdrawals if more than what is shown above. Living Benefit Riders (included at no additional fee): Critical Illness, Cognitive Impairment, Terminal Condition, Nursing Home Confinement and Home Health Care.Surrender Charges Surrender charges are waived at the death of the owner Repeating surrender charge pattern with 45-day liquidity windows every 4th year During the 45-day liquidity windows, the entire account value is available for free withdrawal No market value adjustment

Company Founded: 1892

Excellent Rated Company

GBU Financial Life

Company Ratings

4.5