ForeAccumulation II 5 Advisory
Get an annuity today!
Learn how an annuity can provide guaranteed income for life.
Highlights
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.
Advisory Features
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.
Advisory Features
- Registered Investment Advisory (RIA) withdrawal capabilities ranging from 0% to 1.50% in accordance with the IRS PLR
- RIA withdrawals will not be taxable
- RIA withdrawals will not reduce the Enhanced Death Benefit Base, Enhanced Death Benefit Amount or the Allowable Withdrawal Limit
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 |
|
Term
|
5 Years |
|
Surrender schedule
|
2%2%2%2%2% |
|
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 5 Advisory is the right product for you.
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.
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.
Remaining contract value passes to beneficiaries at no additional charge.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
5%
Fixed
|
| 2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
360%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year MSCI EAFE PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15.5%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
255%
Participation
|
| 1-Year S&P 500 PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15.5%
Cap
|
| 2-Year Franklin US PTP Spread |
Point to Point
Biennial
|
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
190%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
265%
Participation
|
| 1-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
190%
Participation
|
| 2-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
265%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
190%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
265%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
12.15%
Cap
|
| 1-Year BlackRock Diversa Volatility Control PTP Cap |
Point to Point
Annual
|
20%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
12.15%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
220%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
305%
Participation
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
9.25%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
5%
Fixed
|
| 2-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
265%
Participation
|
| 1-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
190%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
265%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
360%
Participation
|
| 1-Year S&P 500 PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15.75%
Cap
|
| 1-Year MSCI EAFE PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15.75%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
255%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
190%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
265%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
190%
Participation
|
| 2-Year Franklin US PTP Spread |
Point to Point
Biennial
|
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
220%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
12.15%
Cap
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Cap |
Point to Point
Annual
|
20%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
12.15%
Cap
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
305%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
170%
Participation
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
9.25%
Performance triggered
|
| 1-Year S&P 500 PTP Locked Cap |
Point to Point
Annual
|
11%
Cap
|
| 1-Year S&P 500 PTP Locked Cap |
Point to Point
Annual
|
11%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 2% | 2% | 2% | 2% | 2% |
Riders
No Riders for ForeAccumulation II 5 Advisory annuity.
Waivers
Nursing Home
Unavailable in states: CA
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.
Terminal Illness
Unavailable in states: CA
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.
Ready to Protect Your Financial Future?
Request a free quote or talk to our financial expert to get help