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ForeAccumulation II 7 with Enhanced Death Benefit

The ForeAccumulation II 7 annuity is a boon for those planning their post-retirement life. It provides a predictable income stream and enhances your financial stability. Plus, the Enhanced Death Benefit ensures your loved ones are taken care of.

You can say goodbye to financial worries and enjoy your golden years in peace! Easy to understand, no hidden complexities – it's a truly reliable investment for your future.

ForeAccumulation II 7 with Enhanced Death Benefit

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Ratings:

A.M. Best A
Fitch A
S&P A-
Moody's A2
Comdex 75

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About Product

Type

Fixed Index

Purpose

Accumulation & Legacy

Term

7 Years

Surrender schedule

8%8%7%6%5%4%3%

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.

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	4.4% Fixed
2-Year Franklin US PTP Spread	Point to Point Biennial
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Annual	135% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Biennial	195% Participation
1-Year Franklin US PTP Participation Rate	Point to Point Annual	135% Participation
2-Year Franklin US PTP Participation Rate	Point to Point Biennial	195% Participation
1-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Annual	135% Participation
2-Year BlackRock Diversa Volatility Control PTP Participation Rate	Point to Point Biennial	195% Participation
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
1-Year MSCI EAFE PTP Cap	Point to Point Annual	9.25% Cap
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	8.75% Cap
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	6.75% Performance triggered
1-Year Fixed Account	Fixed	4.5% Fixed
1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Annual	140% Participation
2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year Franklin US PTP Participation Rate	Point to Point Annual	140% Participation
2-Year Franklin US PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year PIMCO Balanced PTP Participation Rate	Point to Point Annual	190% Participation
1-Year MSCI EAFE PTP Cap	Point to Point Annual	9.5% Cap
1-Year BlackRock Diversa Volatility Control 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 Cap	Point to Point Annual	16% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	9% Cap
2-Year PIMCO Balanced PTP Participation Rate	Point to Point Biennial	275% 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	6.5% Cap
1-Year S&P 500 PTP Locked Cap	Point to Point Annual	6.5% Cap

Surrender schedule

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

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Investment Amount $

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

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

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.

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 80 will apply.