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fixed annuities

Fixed Indexed Annuity Details

FG AccumulatorPlus 10

Product Name

FG AccumulatorPlus 10

Annuity Type

Fixed Indexed Annuity

Issuing Insurance Company and Ratings

(4th of 15 ratings)
(7th of 20 ratings)
(7th of 21 ratings)
(7th of 21 ratings)
(percentile of rated companies)

Product Information

The FG AccumulatorPlus 10 is a deferred fixed indexed annuity issued by Fidelity & Guaranty Life Insurance Co.

When your full premium deposit is allocated to the fixed interest account, the current first year yield (including bonus if applicable) is 4.50% (see Rate Details below).

You can also allocate your premium between various strategy and index account options. For complete details on index account options, including current cap and participation rates, please contact AnnuityAdvantage at 1.800.239.0356.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis. Beginning in the second contract year, this annuity provides up to 10% (noncumulative) of the contract value as the penalty free withdrawal amount that may be withdrawn from the annuity each contract year.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

Fidelity & Guaranty Life Insurance Co is rated “A-” by A.M. Best, was founded in 1959, and has over $40.2 billion in total assets.

Rate Details

Aug 22nd, 2023
Not Scheduled

Premium Amount: $10,000 - $1,000,000

Fixed Account First Year Yield: 4.50%
Fixed Account Current Interest Rate: 4.50%
Fixed Account Guaranteed Minimum Interest Rate: 1.00%
Index Accounts - Annual Cap and Participation Rates:
Any Index - Highest Point-to-Point Cap (NO Charge/Fee): 9.50%
Any Index - Highest Participation Rate (WITH Charge/Fee): 270.00%
S&P 500 - Point-to-Point Cap (WITH Charge/Fee): 12.75%
S&P 500 - Point-to-Point Cap (NO Charge/Fee): 9.25%
S&P 500 - Participation Rate (WITH Charge/Fee): 50.00%

Initial Surrender Charge and MVA Periods

10 years

10 years

10 years

State variations may exist, refer to product disclosure for details.

Policy Details

60 days
Accumulation Value

Penalty Free Withdrawal Provisions

Death, Home Health Care, Nursing Home and Terminal Illness

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  AK, CT and NY (as of 07/08/2020)

For AK, AL, IL, MO and MS: MVA Rider not available.

For FL and ID: No Home Health Care Rider.

For IA and NH: Multi-year index interest crediting options are not available.

For MA: No Home Health Care Rider and No Nursing Home Rider.

For MN, OR, PA and WA: MVA Rider not available and One-Year Monthly Average with Rider Charge not available.