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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%

ForeAccumulation II 10 with Enhanced Death Benefit

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Highlights

ForeAccumulation is a single premium fixed index annuity that offers both upside opportunity and downside market protection. 
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
Type
Fixed Index
Purpose Accumulation & Legacy
Term
10 Years
Surrender schedule
9%9%8%7%6%5%4%3%2%1%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
08/27/2018
Minimum contribution
$25,000
Maximum contribution
$1,000,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP
Brochure
Open brochure

Find out if the ForeAccumulation II 10 with Enhanced Death Benefit is the right product for you.

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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. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.65% Fixed
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
9.75% Cap
1-Year Franklin US PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate
Point to Point
Biennial
205% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year Franklin US PTP Participation Rate
Point to Point
Biennial
205% Participation
2-Year PIMCO Balanced PTP Participation Rate
Point to Point
Biennial
285% Participation
2-Year Franklin US PTP Spread
Point to Point
Biennial
1-Year PIMCO Balanced PTP Participation Rate
Point to Point
Annual
200% Participation
1-Year BlackRock Diversa Volatility Control PTP Cap
Point to Point
Annual
18.75% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.75% Cap
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate
Point to Point
Biennial
205% Participation
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
8% Performance triggered
1-Year Fixed Account
Fixed
4.75% Fixed
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate
Point to Point
Biennial
210% Participation
1-Year Franklin US PTP Participation Rate
Point to Point
Annual
155% Participation
2-Year Franklin US PTP Participation Rate
Point to Point
Biennial
210% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate
Point to Point
Annual
155% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate
Point to Point
Biennial
210% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate
Point to Point
Annual
155% Participation
2-Year PIMCO Balanced PTP Participation Rate
Point to Point
Biennial
290% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year BlackRock Diversa Volatility Control PTP Cap
Point to Point
Annual
19% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
10% Cap
1-Year PIMCO Balanced PTP Participation Rate
Point to Point
Annual
205% Participation
2-Year Franklin US PTP Spread
Point to Point
Biennial
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
8.25% Performance triggered
1-Year S&P 500 PTP Locked Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Locked Cap
Point to Point
Annual
9.75% 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%

Riders

Name Inbuilt Fee
GA Enhanced Death Benefit (ages 0-70) Yes 0.50% annually
GA Enhanced Death Benefit (ages 71-80) Yes 0.95% annually

Waivers

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.

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