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ForeAccumulation II 10

The ForeAccumulation II 10 is a solid annuity product for those planning their retirement. It offers steady income growth and shields your earnings from market risk, making your golden years worry-free.

Its key highlights, including an optional lifetime income rider and diversification options, ensure a tailored financial strategy for you. A secure and comfortable retirement has never been easier!

ForeAccumulation II 10

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

10 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP

Launch Date

08/27/2018

ForeAccumulation is a single premium fixed index annuity that offers both upside opportunity and downside market protection.

Growth Accelerator Rider
Interest crediting strategies with the Growth Accelerator Rider is added onto select existing interest crediting strategies that will offer increased caps or participation rates in exchange for a rider charge.
The rider charge (1.25%) is assessed at the end of the Strategy Term against only the Contract Value allocated to interest crediting strategies with the Growth Accelerator Rider. Contract Value allocated to interest crediting strategies without the Growth Accelerator Rider will not be assessed a rider charge. This charge will be assessed even if no interest is credited due to zero or negative index performance. The cost of this rider may cause the Contract Value to be negative. This Rider is only available during the Withdrawal Charge Period. This rider may not be elected in conjunction with the Enhanced Death Benefit Rider or the Premium Enhancement Rider.

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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.25% Fixed
2-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Biennial	195% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator	Point to Point Annual	150% Participation
2-Year Franklin US PTP Participation Rate with Growth Accelerator	Point to Point Biennial	220% Participation
2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator	Point to Point Biennial	320% Participation
1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator	Point to Point Annual	215% Participation
1-Year S&P 500 PTP Cap with Growth Accelerator	Point to Point Annual	10.75% Cap
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator	Point to Point Annual	150% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator	Point to Point Biennial	220% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator	Point to Point Biennial	220% Participation
1-Year Franklin US PTP Participation Rate with Growth Accelerator	Point to Point Annual	150% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Biennial	195% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Annual	135% Participation
1-Year MSCI EAFE PTP Cap with Growth Accelerator	Point to Point Annual	10.75% Cap
2-Year Franklin US PTP Participation Rate	Point to Point Biennial	195% Participation
1-Year Franklin US PTP Participation Rate	Point to Point Annual	135% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Annual	135% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	7.75% Cap
1-Year BlackRock Diversa Volatility Control PTP Cap	Point to Point Annual	15.75% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	8.25% Cap
2-Year PIMCO Balanced PTP Participation Rate	Point to Point Biennial	270% Participation
1-Year PIMCO Balanced PTP Participation Rate	Point to Point Annual	185% Participation
2-Year Franklin US PTP Spread	Point to Point Biennial
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	6.75% Performance triggered
1-Year Fixed Account	Fixed	4.35% Fixed
1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator	Point to Point Annual	220% Participation
2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator	Point to Point Biennial	325% Participation
1-Year MSCI EAFE PTP Cap with Growth Accelerator	Point to Point Annual	11% Cap
1-Year S&P 500 PTP Cap with Growth Accelerator	Point to Point Annual	11% Cap
1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator	Point to Point Annual	155% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator	Point to Point Biennial	225% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator	Point to Point Annual	155% Participation
2-Year Franklin US PTP Participation Rate with Growth Accelerator	Point to Point Biennial	225% Participation
1-Year Franklin US PTP Participation Rate with Growth Accelerator	Point to Point Annual	155% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator	Point to Point Biennial	225% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Annual	140% Participation
2-Year Franklin US PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year Franklin US PTP Participation Rate	Point to Point Annual	140% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Annual	140% Participation
2-Year PIMCO Balanced PTP Participation Rate	Point to Point Biennial	275% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	8% Cap
1-Year BlackRock Diversa Volatility Control PTP Cap	Point to Point Annual	16% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	8.5% Cap
1-Year PIMCO Balanced PTP Participation Rate	Point to Point Annual	190% Participation
2-Year Franklin US PTP Spread	Point to Point Biennial
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	7% Performance triggered
1-Year S&P 500 PTP Locked Cap	Point to Point Annual	5.5% Cap
1-Year S&P 500 PTP Locked Cap	Point to Point Annual	5.5% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

No Riders for ForeAccumulation II 10 annuity.

Waivers

Bail-Out

The Contract Value may be withdrawn with no Withdrawal Charges or MVA if after the Initial Strategy Term expires the renewal rates/caps are set at rates below (above for spread-based strategies) the Bailout Rate (Withdrawal Charge Waiver Rate).

Nursing Home

At any time on or after the Issue Date of the policy, if you should become confined to an approved nursing facility for at least 90 consecutive days, withdrawal charges and MVA on any portion of the contract value withdrawn will be waived. The nursing care waiver does not include home health care.

Terminal Illness

If you have been diagnosed with a terminal illness after the first contract anniversary, withdrawal charges and MVA will be waived on any portion of the contract value withdrawn.

Premium Notes

Available plans
Non-qualified, Non-qualified Stretch, IRA, Inherited/Beneficiary IRA, Roth IRA and SEP IRA

NQ Stretch: Requires use of systematic Withdrawal Program (life expectancy option) and has a maximum issue age of 75. Additionally, the Optional Enhanced Death Benefit is not allowed on these plan types.
Inherited IRA: Beneficiary must be either spouse of original owner at time of death or less than 10 years younger than original owner.
Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Death Benefit Remaining contract value passes to beneficiaries at no additional charge. Enhanced Death Benefit An optional enhanced death benefit will be available at an annual cost of 0.50%, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit will be comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. A minimum issue age of 0 and maximum age of 75 will apply.

Company Founded: 2004

Excellent Rated Company

Global Atlantic Financial Group

Company Ratings

4.5