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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

ForeStructured Growth

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Highlights

ForeStructured Growth is a registered index-linked annuity. It provides interest crediting strategies that track to an index to provide market-linked growth potential, subject to limits, while offering a range of options designed to offer full or partial downside protection. A One-Year Fixed Strategy is also available.

Aggregate Floor
The dollar amount representing the guaranteed Strategy Contract Value floor applicable to each Strategy Term of the Aggregate Floor Indexed Strategy. The initial Aggregate Floor is equal to 90% of your initial investment allocation to the Aggregate Floor Indexed Strategy. The Aggregate Floor amount may increase due to positive Index performance from one consecutive Strategy Term to the next , as well as from transfers of additional Strategy Contract Value into the Aggregate Floor Indexed Strategy at the start of any new consecutive Strategy Term. The Aggregate Floor amount may also increase or decrease upon the election of the reset feature.
This strategy is not currently available in the database, please see the Official carrier illustrations
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
Registered Index-Linked
Purpose Accumulation & Legacy
Term
6 Years
Surrender schedule
8%8%7%6%5%4%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
02/14/2022
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 ForeStructured Growth is the right product for you.

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Premium Notes

Issue Ages
  • 0–85 
Premium Limits 
  • Minimum: $25,000 
  • Maximum (Issue Ages 0-80): $1,000,000 without prior approval (as measured by total premium per person for all annuities with the company) 
  • Maximum (Issue Ages 81-85): $500,000 without prior approval (as measured by total premium per person for all annuities with the company) 
Plan Types 
  • Non-Qualified, Non-Qualified Stretch* 
  • Qualified: Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA 
*Requires use of systematic withdrawal program (life expectancy option); a maximum issue age of 75; optional death benefit rider not available.

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Free Withdrawals
Up to 10% of the beginning-of-year contract value may be withdrawn annually without Schedule incurring a withdrawal charge. Withdrawal charges apply to amounts withdrawn in excess of the free withdrawal amount during the withdrawal charge period. 

Allocation Accounts

Name Type Rates
6-Year S&P 500 Tiered Participation Rate (20% tier) with 10% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year S&P 500 Tiered Participation Rate (10% tier) with 5% Buffer
Tiered Participation Rate
6-Year
100% Participation
1-Year Fixed Account
Fixed
3.75% Fixed
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
18% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% Cap
6-Year UBS Climate Aware Equity PTP Cap with 20% Buffer
Point to Point
6-Year
150% Cap
6-Year UBS Climate Aware Equity PTP Participation Rate with 20% Buffer
Point to Point
6-Year
95% Participation
6-Year Franklin US Equity PTP Cap with 20% Buffer
Point to Point
6-Year
150% Cap
6-Year Franklin US Equity PTP Participation Rate with 20% Buffer
Point to Point
6-Year
95% Participation
6-Year Fidelity US Corporate Strength PTP Cap with 20% Buffer
Point to Point
6-Year
150% Cap
6-Year Fidelity US Corporate Strength PTP Participation Rate with 20% Buffer
Point to Point
6-Year
95% Participation
6-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
6-Year
400% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer
Point to Point
6-Year
110% Participation
1-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
Annual
15.5% Cap
1-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Annual
12% Cap
1-Year UBS Climate Aware Equity PTP Participation Rate with 10% Buffer
Point to Point
Annual
70% Participation
1-Year Franklin US Equity PTP Participation Rate with 10% Buffer
Point to Point
Annual
75% Participation
1-Year Fidelity US Corporate Strength PTP Participation Rate with 10% Buffer
Point to Point
Annual
75% Participation
1-Year Nasdaq-100 PTP Participation Rate with 10% Buffer
Point to Point
Annual
70% Participation
1-Year S&P 500 PTP Participation Rate with 10% Buffer
Point to Point
Annual
75% Participation
1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer
Point to Point
Annual
15% Cap
1-Year Franklin US Equity PTP Cap with 10% Buffer
Point to Point
Annual
15% Cap
1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer
Point to Point
Annual
15% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
24% Cap
6-Year S&P 500 Tiered Participation Rate (10% tier) with 5% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year S&P 500 Tiered Participation Rate (20% tier) with 10% Buffer
Tiered Participation Rate
6-Year
100% Participation
1-Year Fixed Account
Fixed
4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap
6-Year UBS Climate Aware Equity PTP Cap with 20% Buffer
Point to Point
6-Year
200% Cap
6-Year UBS Climate Aware Equity PTP Participation Rate with 20% Buffer
Point to Point
6-Year
100% Participation
6-Year Franklin US Equity PTP Cap with 20% Buffer
Point to Point
6-Year
200% Cap
6-Year Franklin US Equity PTP Participation Rate with 20% Buffer
Point to Point
6-Year
100% Participation
6-Year Fidelity US Corporate Strength PTP Cap with 20% Buffer
Point to Point
6-Year
200% Cap
6-Year Fidelity US Corporate Strength PTP Participation Rate with 20% Buffer
Point to Point
6-Year
100% Participation
6-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
6-Year
500% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer
Point to Point
6-Year
115% Participation
1-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
Annual
16% Cap
1-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Annual
12.5% Cap
1-Year UBS Climate Aware Equity PTP Participation Rate with 10% Buffer
Point to Point
Annual
75% Participation
1-Year Franklin US Equity PTP Participation Rate with 10% Buffer
Point to Point
Annual
80% Participation
1-Year Fidelity US Corporate Strength PTP Participation Rate with 10% Buffer
Point to Point
Annual
80% Participation
1-Year Nasdaq-100 PTP Participation Rate with 10% Buffer
Point to Point
Annual
75% Participation
1-Year S&P 500 PTP Participation Rate with 10% Buffer
Point to Point
Annual
80% Participation
1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer
Point to Point
Annual
16% Cap
1-Year Franklin US Equity PTP Cap with 10% Buffer
Point to Point
Annual
16% Cap
1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer
Point to Point
Annual
16% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
25% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
19% Cap

Surrender schedule

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

Riders

Name Inbuilt Fee
ForeStructured Growth ROP Death Benefit Age 71+ No 0.50% annually
ForeStructured Growth ROP Death Benefit Age 0-70 No 0.20% annually

Waivers

Bail-Out

The bailout waiver provides option to surrender or take a partial withdrawal from your Contract without Withdrawal Charges and a MVA, if the upside Crediting Rate for a Indexed Strategy for that Strategy Term is set less favorable than the bailout rate for that strategy. Six year Indexed Strategies do not have a bailout waiver because Withdrawal Charges and MVAs do not apply after the sixth Contract Year. You do not have to allocate your Contract Value to the Indexed Strategy that is eligible for the bailout waiver in order for you to exercise the bailout waiver and surrender your Contract. The waiver will apply automatically to any withdrawal or surrender request that occurs during a Contract Year in which the bailout provision is triggered for any Indexed Strategy.

Nursing Home

Unavailable in states: CA

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. 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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