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2-Year
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3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

ForeAccumulation II 7

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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. 
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
7 Years
Surrender schedule
8%8%7%6%5%4%3%
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 7 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
4.8% Fixed
1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator
Point to Point
Annual
235% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate
Point to Point
Annual
145% 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
145% 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
145% Participation
1-Year S&P 500 PTP Cap with Growth Accelerator
Point to Point
Annual
14% Cap
1-Year MSCI EAFE PTP Cap with Growth Accelerator
Point to Point
Annual
14% Cap
2-Year Franklin US PTP Spread
Point to Point
Biennial
2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
340% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
245% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator
Point to Point
Annual
170% Participation
2-Year Franklin US PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
245% Participation
1-Year Franklin US PTP Participation Rate with Growth Accelerator
Point to Point
Annual
170% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
245% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator
Point to Point
Annual
170% Participation
2-Year PIMCO Balanced PTP Participation Rate
Point to Point
Biennial
280% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate
Point to Point
Biennial
200% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.75% Cap
1-Year BlackRock Diversa Volatility Control PTP Cap
Point to Point
Annual
17.75% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
10.75% Cap
1-Year PIMCO Balanced PTP Participation Rate
Point to Point
Annual
195% Participation
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
8.5% Performance triggered
1-Year Fixed Account
Fixed
4.9% Fixed
1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator
Point to Point
Annual
175% Participation
2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
345% Participation
1-Year S&P 500 PTP Cap with Growth Accelerator
Point to Point
Annual
14.25% Cap
2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
250% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
11% Cap
1-Year MSCI EAFE PTP Cap with Growth Accelerator
Point to Point
Annual
14.25% Cap
1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator
Point to Point
Annual
240% Participation
2-Year Franklin US PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
250% Participation
1-Year Franklin US PTP Participation Rate with Growth Accelerator
Point to Point
Annual
175% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator
Point to Point
Biennial
250% Participation
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator
Point to Point
Annual
175% Participation
1-Year PIMCO Balanced PTP Participation Rate
Point to Point
Annual
200% Participation
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
11% Cap
1-Year BlackRock Diversa Volatility Control PTP Cap
Point to Point
Annual
18% 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
2-Year Franklin US PTP Spread
Point to Point
Biennial
1-Year Franklin US 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
1-Year BlackRock Diversa Volatility Control 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 S&P 500 Performance Trigger
Performance Triggered
Annual
8.75% Performance triggered

Surrender schedule

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

Riders

No Riders for ForeAccumulation II 7 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. The nursing care waiver does not include home health care.

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.

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