Offering leading-edge annuity and life insurance products for nearly 60 years, the FGL Holdings family of companies serves its clients through the growing independent agent market. FGL Holdings — the F&G family of insurance companies — is committed to helping Americans prepare for and live comfortably in their retirement.
Fidelity & Guaranty offers many different types of annuities, but their obvious strong suit is with Fixed Indexed Annuities. They currently have 8 product options, including the following:
F&G also has an Immediate Annuity and a Multi-Year Guaranteed Annuity (MYGA).
F&G has an AM Best Rating of A-.
Insurance products are offered through Fidelity & Guaranty Life Insurance Company in every state, other than New York, as well as the District of Columbia and Puerto Rico. In New York, products are offered through a wholly owned subsidiary, Fidelity & Guaranty Life Insurance Company of New York.
Available in 4, 5 or 7-year terms.
Your premium grows with a rate of interest that F&G guarantees at the outset for each 3-year period.
At the end of each 3-year period, you will have a choice to withdraw any amount of funds within 30 days, withdraw the full value of your account or automatically renew into a new 3-year period. If you renew, a new rate of interest will be fixed, and a new surrender charge period will begin.
The growth of your savings is tax-deferred (you pay taxes only when you withdraw your earnings).
On the annuity date of the contract, you have the option of turning your annuity into guaranteed payments for life.
You’ll have full access to your account for unexpected health care costs, namely qualifying nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
A Guaranteed payments that continue for your lifetime, the lifetime of another (for example, your spouse), or a fixed period, depending on the payout option you choose.
Accelerated benefits if you become critically ill.
A choice of monthly, quarterly, semiannual or annual payments.
The option to add inflation protection.
Payout options that provide lump sum death benefits for peace of mind.
Check out the product brochure.
Available in 10 and 14-year terms.
F&G gives you a bonus to your account that vests over 10 years.
You can choose from several options for earning interest on your premium: one fixed interest option (with a guaranteed rate) and additional options tied to market indexes.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You have the option of guaranteed income for life.
You’ll have full access to your account for unexpected health care costs, namely qualifying home health or nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. Withdrawals in year one, and withdrawals in year 2 or later of over 10% of your vested account value, will incur withdrawal charges.
Check out the product brochure.
Available in 7 and 10-year terms.
You can choose from several options for earning Interest on your premium: one fixed interest option (with a guaranteed rate) and additional options tied to market indexes.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You’ll have full access to your account for unexpected health care costs, namely qualifying home health or nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in year 2 or later of over 10% of your account value, will incur withdrawal charges.
Check out the product brochure.
10-year term.
F&G gives you a bonus based on the premium you pay in the first year. The bonus is added immediately to your account.
You can choose from several options for earning interest on your premium: one fixed interest option (with a guaranteed rate) and additional options tied to market indexes.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You’ll have full access to your account for unexpected health care costs, namely qualifying home health or nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in years 2-10 of over 10% of your account value, will incur withdrawal charges.
Check out the product brochure.
A A unique structure that tracks two values: your Benefit Base (used to calculate a future guaranteed income stream; not an amount that may be surrendered or withdrawn) and your account value (available for withdrawals).
F&G gives you a bonus to your account. It is added immediately to your Benefit Base and vests over 12 years in your account value.
You can choose from several options for earning interest on your Benefit Base; one fixed interest option (with a guaranteed rate) and additional options tied to a market index.
Your account value grows with a rate of interest that F&G guarantees at the outset of each contract year. A standout Breakthrough feature gives you potential for greater growth of your account value in the long term.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You have the option of guaranteed income for life.
You’ll have full access to your account value for unexpected health care costs, namely qualifying home health or nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in year 2-12 of over 10% of your vested account value, will incur withdrawal charges.
No fees.
Check out the product brochure.
10-year term.
F&G gives you a bonus based on your initial premium. The bonus is added immediately to your account.
You can choose from several options for earning interest on your premium: one fixed interest option (with a guaranteed rate) and additional options tied to market indexes.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You’ll have full access to your account for unexpected health care costs, namely nursing home care or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in years 2-10 of over 10% of your vested account value, will incur withdrawal charges.
Check out the product brochure.
F&G gives you a bonus to your account that vests over 10 years.
You can choose from several options for earning interest on your premium: one fixed interest option (with a guaranteed rate) and a wide range of options tied to market indexes.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You have the option of guaranteed income for life.
You’ll have full access to your account for unexpected health care costs, namely qualifying nursing or home health care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
From day one you have a death benefit for peace of mind.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in years 2 or later of over 10% of your vested account value, will incur withdrawal charges.
Check out the product brochure.
Available in 7, 10, or 14-year terms.
F&G gives you a bonus to your account that vests over a certain number of years.
You can choose from several options for earning interest on your premium: one fixed interest option (with a guaranteed rate) and additional options tied to market indexes.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You have the option of guaranteed income for life.
You’ll have full access to your account for unexpected health care costs, namely qualifying nursing or home health care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. You’ll have penalty-free access to 10% of the vested account value in years 2 or later.
Check out the product brochure.
F&G gives you a bonus to your account that vests over 10 years.
You can choose from several options for earning interest on your premium: one fixed interest option (with a guaranteed rate) and additional options tied to market indexes.
Any growth of your savings is tax-deferred (you pay taxes only when you make withdrawals or receive income in the future).
You have the option of guaranteed income for life.
You’ll have full access to your account for unexpected health care costs, namely qualifying home health or nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in year 2 or later of over 10% of your vested account value, will incur withdrawal charges.
Check out the product brochure.
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Check out our complete guide here: The Ultimate Guide to Selling Annuities In the Senior Market
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