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ForeStructured Growth Advisory

The ForeStructured Growth Advisory is a reliable option for those nearing retirement. Its sturdy growth potential promises a worry-free future. It's like your personal safety net, offering steady income no matter how the market behaves.

The annuity's design to protect your initial investment and its adjustable income options exude assurance of a comfortable retirement. Plus, the added flexibility of accessing funds in times of need makes it a retired individual's best companion.

ForeStructured Growth Advisory

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Investment

Your Gender

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Retire At

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About Product

Type

Registered Index-Linked

Purpose

Accumulation & Legacy

Term

6 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, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP

Launch Date

02/14/2022

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

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 (20% tier) with 5% Buffer	Tiered Participation Rate 6-Year	100% Participation
1-Year Fixed Account	Fixed	3.9% Fixed
1-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Annual	17.75% Cap
1-Year S&P 500 PTP Cap with 0% Floor	Point to Point Annual	6.75% 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	100% 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	12.25% Cap
1-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Annual	10.25% 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 S&P 500 PTP Cap with 10% Buffer	Point to Point Annual	13.75% Cap
1-Year Fidelity US Corporate Strength PTP Participation Rate with 10% Buffer	Point to Point Annual	80% Participation
1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer	Point to Point Annual	13.75% Cap
1-Year Franklin US Equity PTP Cap with 10% Buffer	Point to Point Annual	12.75% Cap
1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer	Point to Point Annual	12.75% Cap
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
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 (20% tier) with 5% Buffer	Tiered Participation Rate 6-Year	100% Participation
1-Year Fixed Account	Fixed	4.15% Fixed
1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer	Point to Point Annual	14% Cap
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	85% Participation
1-Year UBS Climate Aware Equity PTP Participation Rate with 10% Buffer	Point to Point Annual	75% Participation
1-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Annual	14% Cap
1-Year S&P 500 PTP Cap with 0% Floor	Point to Point Annual	7% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Annual	18% Cap
1-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Annual	10.5% 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 S&P 500 PTP Participation Rate with 20% Buffer	Point to Point 6-Year	110% Participation
1-Year Nasdaq-100 PTP Participation Rate with 10% Buffer	Point to Point Annual	75% 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
1-Year Franklin US Equity PTP Cap with 10% Buffer	Point to Point Annual	13% Cap
1-Year Nasdaq-100 PTP Cap with 20% Buffer	Point to Point Annual	12.5% Cap
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	105% Participation
1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer	Point to Point Annual	13% Cap
1-Year S&P 500 PTP Participation Rate with 10% Buffer	Point to Point Annual	80% Participation
6-Year S&P 500 PTP Cap with 20% Buffer	Point to Point 6-Year	500% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

See if this annuity ranks in your top 3 for Ohio

Investment Amount

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

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

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

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 WithdrawalsUp 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. SystematicWithdrawals to Pay Advisory Fee Owners of an I-share class Contract may request withdrawals from Contract Value to pay advisory fees up to a maximum rate of 1.5% per annum.

Company Founded: 2004

Excellent Rated Company

Global Atlantic Financial Group

Company Ratings

4.5