SecureFore 3

The SecureFore 3 fixed Annuity from Forethought Life Insurance Company promises not just a safe, but a rewarding ride towards your retirement. Serving millions, this annuity offers guaranteed growth, ensuring your retirement savings remain unaffected by stock market risks. Advantageously, your savings can grow steadily on a tax-deferred basis, benefiting from the compound interest effect. Even in emergencies, it provides flexible access to your funds.

Its greatest strength lies in its guarantees - a fixed interest rate, secure principal, and guaranteed lifetime income. There's even an option for a return of premium feature, ensuring you always get what you paid in, so your financial future is well-cared-for. Additionally, it grants a full contract value death benefit to your nominated beneficiaries. SecureFore 3 clearly takes financial security in retirement to a new level!

SecureFore 3

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About Product

Premium Type

Single Premium

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch

Launch Date

03/31/2014

MYGA Interest Rates

Term	Rate Annual percentage yield (APY) earned over the investment term
3 years	4.6%

SecureFore 3 offers a fixed interest rate period of three years. The interest rate schedule Rate Period for the initial guaranteed rate period is locked upon purchase. clients may withdraw up to 10% of the beginning-of-year contract value each year after the first contract year (10% of Annuity Deposit in the first Contract Year) without incurring withdrawal charges. Any Required Minimum Distribution (RMD) imposed by the IRS on this contract, even if it exceeds the free withdrawal amount (except in the year of full surrender). Annual free withdrawals will equal the greater of these two amounts. State variations apply.

The principal is 100% guaranteed if held to the end of the withdrawal charge period Less prior withdrawals and less withdrawal charges on any prior withdrawals. Withdrawal charges are not assessed on free withdrawals. Amounts withdrawn in excess of the free withdrawal amount may be subject to withdrawal charges. Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% federal income tax penalty if taken before age 59 1/2.

Premium Payment
Single premium
Minimum

$10,000

Maximum

$1,000,000 for age 0–80;
$500,000 for age 81–85 (Approval required for premium in excess of these limits)

Withdrawal Privileges

10% of the beginning-of-year contract value after the first contract year (10% of Annuity Deposit in the first Contract Year) can be withdrawn each year without incurring withdrawal charges. If you withdraw an amount in excess of this free withdrawal amount, you may be subject to withdrawal charges. Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% federal income tax penalty if taken before age 59½. Withdrawal Charges will be incurred if a full surrender occurs in that contract year in DE, FL, ND & SD.
Should you suffer from a terminal illness, any withdrawal charges will be waived on any portion of the contract value that is withdrawn after the first contract anniversary. availability. In California, Delaware, Florida, and North Dakota, the Nursing Home Waiver Rider confinement period is at least 60 consecutive days and is not available until on or after the first contract anniversary.
If you should become confined to an approved nursing facility for at least 90 consecutive days, withdrawal charges on any portion of the contract value withdrawn will be waived. availability. In California, Delaware, Florida, and North Dakota, the Nursing Home Waiver Rider confinement period is at least 60 consecutive days and is not available until on or after the first contract anniversary.
Systematic withdrawals may be specified by dollar amount, percentage of the contract value, or choice of payout frequency.

Free Withdrawals
The free withdrawal amount is the greater of:

10% of beginning-of-year contract value after the first contract year (except in year of full surrender). (State variations apply)
Any Required Minimum Distribution (RMD) imposed by the IRS on this contract (except in year of full surrender). (State variations apply)

Optional Feature
Return of Premium If selected at issue, Forethought Life Insurance Company guarantees that upon full surrender, you will receive no less than your original premium, less all prior withdrawals.