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ForeAccumulation II 5 with Enhanced Death Benefit

The ForeAccumulation II 5 with Enhanced Death Benefit is a secure choice for retirees. It ensures steady income stream for you, with added peace of mind knowing your loved ones aren't left hanging.

The enhanced death benefit stands out, providing additional protection for your family. This annuity is a smart and caring decision for your golden years.

ForeAccumulation II 5 with Enhanced Death Benefit

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About Product

Type

Fixed Index

Purpose

Accumulation & Legacy

Term

5 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, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, TSP, and Roth Conversion (Full)

Launch Date

08/27/2018

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

Please note the Enhanced Death Benefit Rider is inbuilt into this product. A product with no rider is available separately.

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	4.65% Fixed
1-Year MSCI EAFE PTP Cap	Point to Point Annual	10.75% Cap
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	130% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Annual	150% Participation
2-Year PIMCO Balanced PTP Participation Rate	Point to Point Biennial	270% Participation
2-Year Franklin US PTP Spread	Point to Point Biennial
1-Year PIMCO Balanced PTP Participation Rate	Point to Point Annual	180% Participation
1-Year BlackRock Diversa Volatility Control PTP Cap	Point to Point Annual	15.75% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.75% Cap
2-Year Franklin US PTP Participation Rate	Point to Point Biennial	185% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Annual	130% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Biennial	185% Participation
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	7.75% Performance triggered
1-Year Fixed Account	Fixed	4.75% Fixed
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Biennial	190% Participation
2-Year Franklin US PTP Participation Rate	Point to Point Biennial	190% Participation
1-Year Franklin US PTP Participation Rate	Point to Point Annual	135% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Annual	135% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Biennial	230% 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	275% Participation
1-Year MSCI EAFE PTP Cap	Point to Point Annual	11% Cap
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 PTP Cap	Point to Point Annual	11% Cap
1-Year BlackRock Diversa Volatility Control PTP Cap	Point to Point Annual	16% Cap
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	8% Performance triggered
1-Year S&P 500 PTP Locked Cap	Point to Point Annual	9% Cap
1-Year S&P 500 PTP Locked Cap	Point to Point Annual	9% Cap
1-Year Nasdaq-100 PTP Cap	Point to Point Annual	10.75% Cap
1-Year S&P 500 Engle 12% VT ER PTP Participation Rate	Point to Point Annual	85% Participation
1-Year Nasdaq-100 Agile PTP Participation Rate	Point to Point Annual	75% Participation
1-Year Nasdaq-100 Agile PTP Participation Rate	Point to Point Annual	80% Participation
1-Year Nasdaq-100 PTP Cap	Point to Point Annual	11% Cap
1-Year S&P 500 Engle 12% VT ER PTP Participation Rate	Point to Point Annual	90% Participation
1-Year S&P 500 Engle 12% VT ER Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	4% Fixed 7.75% Cap
1-Year S&P 500 Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	2.5% Fixed 7.75% Cap
1-Year Nasdaq-100 Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	2.5% Fixed 7.75% Cap
1-Year Nasdaq-100 Agile Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	4% Fixed 7.75% Cap
1-Year Nasdaq-100 Agile Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	4% Fixed 8% Cap
1-Year S&P 500 Engle 12% VT ER Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	4% Fixed 8% Cap
1-Year S&P 500 Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	2.5% Fixed 8% Cap
1-Year Nasdaq-100 Guaranteed Minimum Annual Floor with Cap	Point to Point With Rate Floor and Cap Annual	2.5% Fixed 8% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

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Riders

Name	Inbuilt	Fee
GA Enhanced Death Benefit (ages 0-70)	Yes	0.75% annually
GA Enhanced Death Benefit (ages 71-80)	Yes	1.20% annually

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.

RMD

The product includes Penalty-Free Withdrawal Provisions for RMD.

Withdrawal Provisions

Death Benefit Remaining contract value passes to beneficiaries at no additional charge. Enhanced Death BenefitAn optional enhanced death benefit will be available at an annual cost of 0.75% for issuing ages 0-70, 1.20% for issuing ages 71-80, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit is comprised of a guaranteed roll-up of 10% simple interest for 15 years or until the contract anniversary after attained age 90, whichever is earlier, based off of premiums, less withdrawals. All withdrawals will reduce the benefit. A minimum issue age of 0 and maximum age of 80 applies.

Company Founded: 2004

Excellent Rated Company

Global Atlantic Financial Group

Company Ratings

4.5