Fidelity & Guaranty Life

Fidelity & Guaranty Life has offered fixed indexed annuities and life insurance products since 1959.

F&G holds an A- A.M. Best Rating and offers two Flexible Premium Fixed Deferred Indexed Annuities:

  • Accumulator Plus 10
  • Accelerator Plus 10

What exactly is a Flexible Premium Fixed Deferred Indexed Annuity?

Flexible Premium: This means you can make multiple premium payments.

Deferred: This means the maturity date is in the future and annuitization does not begin immediately. Also, you pay no current income tax on interest earned. Taxes are deferred until you withdraw your earnings.1

Fixed: This means that on the fixed interest rate option, Fidelity & Guaranty Life Insurance Company guarantees for one year periods a fixed rate of interest.

Indexed: This means that it offers indexed interest crediting options. The indexed interest crediting options earn interest that depends in part on how a market index performs. You could earn an indexed interest, limited to the declared cap or declared fixed rate, as applicable. You could never be credited less than 0%.

The annuity does not participate in any stock, bond or equity investments. You aren’t buying shares of stock or an index. Dividends paid on the stocks on which the indices are based don’t increase your annuity earnings.

Annuity: An annuity is a vehicle to provide payments to the holder at specified intervals, usually following retirement. It is designed to be a long-term retirement tool and not to be used to meet short-term financial goals.

1 Tax deferral offers no additional value if the annuity is used to fund a qualified plan, such as an IRA and may not be available if the owner of the annuity is not a natural person such as a corporation or certain types of trusts.

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This product may be available in other states not listed. Please contact us to inquire.

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