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ForeStructured Growth II

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.

ForeStructured Growth II

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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

10/21/2024

ForeStructured Growth II 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.

Performance Lock
Available on all Index Strategies and provides the opportunity to lock in growth or limit losses by locking in the Strategy Interim Value on the Performance lock date. This may be exercised for each Indexed Strategy once per Strategy Term. Refer to the prospectus for more details.

Automatic Performance
Available on all Indexed Strategies and provides the opportunity for Performance Lock to Lock be triggered automatically based on targets set in advance. This may be exercised for each Indexed Strategy once per Strategy Term.

Strategy Interim Value
The daily account value for an Indexed Strategy on any Valuation Day during a Strategy Term other than the first and last day. Strategy Interim Value is calculated at the end of each Valuation Day. We will apply the Strategy Interim Value if amounts are withdrawn or otherwise removed from an Indexed Strategy before the end of a Strategy Term, including for partial withdrawals (including withdrawals to pay advisory fees, systematic withdrawals and Required Minimum Distributions under the Contract), full surrender of your Contract, cancellation, annuitization, Death Benefit payments, Performance Lock, and deductions for Rider Charges.
Withdrawals prior to the end of a Strategy Term may have a negative impact on the Strategy Interim Value due to any applicable Withdrawal Charge, negative MVA and prorated Rider Charge, which may be significant.

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, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, NE, NV, NH, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
6-Year S&P 500 Dual Directional Yield with 20% Buffer	Dual Direction Yield 6-Year	6% Performance triggered
6-Year S&P 500 Dual Directional Yield with 10% Buffer	Dual Direction Yield 6-Year	7% Performance triggered
6-Year S&P 500 Dual Directional Trigger with Cap with 25% Buffer	Dual Direction Trigger With Cap 6-Year	60% Cap 25% Performance triggered
6-Year S&P 500 Dual Directional Trigger with Cap with 20% Buffer	Dual Direction Trigger With Cap 6-Year	70% Cap 20% Performance triggered
6-Year S&P 500 Dual Directional Trigger with Cap with 15% Buffer	Dual Direction Trigger With Cap 6-Year	85% Cap 15% Performance triggered
1-Year Nasdaq-100 Dual Directional Trigger with 20% Buffer	Dual Direction Trigger Annual	6% Performance triggered
1-Year S&P 500 Dual Directional Trigger with 10% Buffer	Dual Direction Trigger Annual	8% Performance triggered
1-Year S&P 500 Dual Directional Trigger with 20% Buffer	Dual Direction Trigger Annual	5.25% Performance triggered
1-Year Nasdaq-100 Dual Directional Trigger with 10% Buffer	Dual Direction Trigger Annual	9.75% Performance triggered
6-Year S&P 500 Dual Directional Cap with 15% Buffer	Dual Directional 6-Year	90% Cap
6-Year S&P 500 Dual Directional Cap with 20% Buffer	Dual Directional 6-Year	80% Cap
6-Year S&P 500 Dual Directional Cap with 25% Buffer	Dual Directional 6-Year	65% Cap
1-Year Nasdaq-100 Dual Directional Cap with 20% Buffer	Dual Directional Annual	7% Cap
1-Year Nasdaq-100 Dual Directional Cap with 15% Buffer	Dual Directional Annual	10.25% Cap
1-Year Nasdaq-100 Dual Directional Cap with 10% Buffer	Dual Directional Annual	14.5% Cap
1-Year S&P 500 Dual Directional Cap with 20% Buffer	Dual Directional Annual	6.25% Cap
1-Year S&P 500 Dual Directional Cap with 15% Buffer	Dual Directional Annual	8% Cap
1-Year S&P 500 Dual Directional Cap with 10% Buffer	Dual Directional Annual	11.5% Cap
6-Year S&P 500 Tiered Participation Rate (20% 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 Nasdaq-100 PTP Cap with 15% Buffer	Point to Point Annual	14.25% Cap
1-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Annual	13.5% Cap
1-Year S&P 500 PTP Cap with 0% Floor	Point to Point Annual	7% Cap
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	101% 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% Cap
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 Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Annual	18.25% Cap
1-Year S&P 500 PTP Cap with 15% Buffer	Point to Point Annual	11.5% Cap
6-Year S&P 500 PTP Cap with 15% Buffer	Point to Point 6-Year	600% Cap
3-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Triennial	75% Cap
3-Year S&P 500 PTP Cap with 15% Buffer	Point to Point Triennial	50% Cap
3-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Triennial	40% Cap
3-Year S&P 500 PTP Participation Rate with 10% Buffer	Point to Point Triennial	100% Participation
3-Year S&P 500 PTP Participation Rate with 15% Buffer	Point to Point Triennial	95% Participation
3-Year S&P 500 PTP Participation Rate with 20% Buffer	Point to Point Triennial	90% Participation
6-Year S&P 500 PTP Participation Rate with 25% Buffer	Point to Point 6-Year	95% Participation
6-Year S&P 500 PTP Cap with 25% Buffer	Point to Point 6-Year	400% Cap
6-Year S&P 500 PTP Participation Rate with 15% Buffer	Point to Point 6-Year	104% Participation
1-Year S&P 500 Performance Trigger with 10% Buffer	Performance Triggered Annual	9% Performance triggered
1-Year S&P 500 Performance Trigger with 15% Buffer	Performance Triggered Annual	8% Performance triggered
1-Year S&P 500 Performance Trigger with 20% Buffer	Performance Triggered Annual	7% Performance triggered
3-Year S&P 500 Performance Trigger with 20% Buffer	Performance Triggered Triennial	21% Performance triggered
3-Year S&P 500 Performance Trigger with 15% Buffer	Performance Triggered Triennial	23% Performance triggered
3-Year S&P 500 Performance Trigger with 10% Buffer	Performance Triggered Triennial	25% Performance triggered
1-Year Nasdaq-100 Performance Trigger with 20% Buffer	Performance Triggered Annual	9% Performance triggered
1-Year Nasdaq-100 Performance Trigger with 10% Buffer	Performance Triggered Annual	11.5% Performance triggered
1-Year Nasdaq-100 Performance Trigger with 15% Buffer	Performance Triggered Annual	10% Performance triggered

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

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)

Withdrawal Provisions

Free Withdrawals Up to 10% of the Contract Value may be withdrawn annually without incurring a Withdrawal Charge (as described above) and an (MVA). All withdrawals from Indexed Strategies are based on the Strategy Interim Value if taken prior to the end of the Strategy Term, even if within the Free Withdrawal Amount. This Free Withdrawal Amount may be taken from the One-Year Fixed Strategy/Indexed Crediting Strategies; a separate Free Withdrawal Amount may be taken from the Performance Credit Account (PCA), available only with the Dual Directional Yield Interest Crediting Strategy. The Free Withdrawal Amount from the Performance Credit Account is always equal to the Performance Credit Account Value. Withdrawals attributed to the PCA are not subject to a Withdrawal Charge or MVA. Withdrawals from the PCA do not reduce the Free Withdrawal Amount remaining for withdrawals attributed to Indexed Strategies or the One-Year Fixed Strategy. Refer to the prospectus for more details regarding the Performance Credit Account. Market Value Adjustment (MVA) Market Value Adjustment refers to the potential fluctuation of the surrender Adjustment (MVA) value of the annuity in response to market conditions. Applies during the withdrawal charge period on withdrawals in excess of the free partial withdrawal amount. The MVA also applies to annuitization during the withdrawal charge period when a withdrawal charge would also apply. It may result in an increase or decrease in values.

Company Founded: 2004

Excellent Rated Company

Global Atlantic Financial Group

Company Ratings

4.5