4.1
based on complex data
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ForeLifetime Income
The Global Atlantic Financial Group is a dominant retirement and life insurance company that was established at the dawn of the 21st century, in 2004. Initially known as the Goldman Sachs Reinsurance Group, Global Atlantic seeks, above all, to deliver value to its distribution partners and clients. With a universal selection of financial protection products, including life insurance, preneed insurance, and various annuity types, the company is led by an executive team with thorough expertise in traditional insurance operations as well as investment and risk management. On top of being loyal providers for individual clients, Global Atlantic also helps insurance companies release capital, exit non-core businesses, and finance acquisitions.
ForeLifetime Income
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Type
Fixed Index
Purpose
Lifetime Income
Term
10 Years
Surrender schedule
10%
9%
8%
7%
6%
5%
4%
3%
2%
1%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, Traditional IRA, SEP IRA, and IRA-Roth
Launch Date
09/21/2026
ForeLifetime Income (FIA) is a single premium fixed index annuity designed to provide guaranteed lifetime income for individuals looking to start taking income at a predetermined year.
Structured Strategy Allocations (SSA)
Structured Strategy Allocations are pre-defined static Crediting Strategies made up of a combination of index strategies each with their own unique Cap, Participation or Trigger Rates. Structured Strategy Allocations are fixed throughout the Strategy Term and allocations automatically rebalance to their original allocation at the end of each Strategy Term. The rates, including, but not limited to, crediting rates, Cap, Participation, and Trigger Rates, that apply to the Crediting Strategies within the Structured Strategy Allocations may differ from the corresponding individual Crediting Strategies outside of the SSA. In addition, the rates that apply to the Crediting Strategies within a Structured Strategy Allocation may vary based on the Guaranteed Lifetime Withdrawal Benefit rider selected.
Only one Structured Strategy Allocation may be selected at time of application or at any Reallocation Period. At the end of the applicable Strategy Term, the Contract Value held in the Crediting Strategies comprising the Structured Strategy Allocation will be automatically rebalanced to the set allocation percentages that apply to the Structured Strategy Allocation.
Structured Strategy Allocations (SSA)
Structured Strategy Allocations are pre-defined static Crediting Strategies made up of a combination of index strategies each with their own unique Cap, Participation or Trigger Rates. Structured Strategy Allocations are fixed throughout the Strategy Term and allocations automatically rebalance to their original allocation at the end of each Strategy Term. The rates, including, but not limited to, crediting rates, Cap, Participation, and Trigger Rates, that apply to the Crediting Strategies within the Structured Strategy Allocations may differ from the corresponding individual Crediting Strategies outside of the SSA. In addition, the rates that apply to the Crediting Strategies within a Structured Strategy Allocation may vary based on the Guaranteed Lifetime Withdrawal Benefit rider selected.
Only one Structured Strategy Allocation may be selected at time of application or at any Reallocation Period. At the end of the applicable Strategy Term, the Contract Value held in the Crediting Strategies comprising the Structured Strategy Allocation will be automatically rebalanced to the set allocation percentages that apply to the Structured Strategy Allocation.
Available in states:
AL, AK, AZ, AR, 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, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3%
Fixed
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
125%
Participation
|
| 1-Year S&P 500 Engle PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
100%
Participation
|
| 1-Year Nasdaq-100 Agile PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
5.75%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
5.5%
Cap
|
| 2-Year S&P 500 Engle PTP Participation Rate |
Point to Point
Biennial
|
80%
Participation
|
| 1-Year Nasdaq-100 PTP Cap |
Point to Point
Annual
|
5.25%
Cap
|
| 2-Year Nasdaq-100 Agile PTP Participation Rate |
Point to Point
Biennial
|
65%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
145%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
185%
Participation
|
| 1-Year S&P 500 Engle PTP Cap |
Point to Point
Annual
|
7.75%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
125%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
5%
Cap
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
80%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
125%
Participation
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
85%
Participation
|
| 1-Year Nasdaq-100 Agile PTP Cap |
Point to Point
Annual
|
7.5%
Cap
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
4.5%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
3%
Fixed
|
| 2-Year S&P 500 Engle PTP Participation Rate |
Point to Point
Biennial
|
80%
Participation
|
| 2-Year Nasdaq-100 Agile PTP Participation Rate |
Point to Point
Biennial
|
65%
Participation
|
| 1-Year Nasdaq-100 Agile PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
145%
Participation
|
| 1-Year S&P 500 Engle PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
125%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
100%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
5.75%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
5.5%
Cap
|
| 1-Year Nasdaq-100 PTP Cap |
Point to Point
Annual
|
5.25%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
125%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
5%
Cap
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
80%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
125%
Participation
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
85%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
185%
Participation
|
| 1-Year Nasdaq-100 Agile PTP Cap |
Point to Point
Annual
|
7.5%
Cap
|
| 1-Year S&P 500 Engle PTP Cap |
Point to Point
Annual
|
7.75%
Cap
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
4.5%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 10% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Hypothetical Projection
Comparison against S&P 500 using current rates
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Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Income Payout Rider | Yes | 1.30% annually |
| Income Builder Rider | Yes | 1.30% annually |
Waivers
Nursing Home
Unavailable in states: CA
Nursing Care Waiver – At any time on or after the Issue Date of the Contract, 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.
RMD
The product includes Penalty-Free Withdrawal Provisions for RMD.
Premium Notes
Premium amount
- $25,000 minimum premium
- $1,000,000 maximum premium for ages 45-80 (as measured by total contribution per person for all annuities with the company)
- $500,000 maximum premium for ages 81-85 (as measured by total contribution per person for all annuities with the company)
Withdrawal Provisions
Market Value Adjustment (MVA)A Market Value Adjustment refers to the potential fluctuation of the surrender value of the annuity in response to market conditions. Applies during the Withdrawal Charge Period on withdrawals in excess of the Free Withdrawal Amount. The MVA also applies to annuitization during the Withdrawal Charge Period when a Withdrawal Charge would also apply. Withdrawal charges Up to 10% of the beginning-of-year Contract Value may be withdrawn annually without incurring a withdrawal charge. Withdrawal charges apply to amounts withdrawn in excess of the Free Withdrawal Amount and Withdrawal Charge Period.
Company Founded: 2004
Excellent Rated
Company
Company Ratings
4.5
- A.M. Best A
- Fitch A
- S&P A
- Moody's A2
- Comdex 78
Assets: $54,996,099,814
Indiana
