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  • Fidelity & Guaranty Life


    FG Retirement Pro (Rates Only Apply To IAV)


    A Fixed Indexed Annuity with a 12-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A-   Fitch:  A-   Moody's:  Baa1   Standard & Poor's:  A-  

    Rates
      Current Rates
    xx/xx/xxxx
    Guaranteed
    Minimum Values
       Cap Part Rate Cap Part Rate
    1-Year Annual Point to Point with Cap   ***    ***    ***   *** 
    1-Year Monthly Average with Cap   ***    ***    ***   *** 
    1-Year Monthly Point to Point with Cap   ***    ***    ***   *** 
    1 Year Fixed Interest Option   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus by Age/State
     Year: 1
    Age 0 to 80 in states:
    AR AZ CO DC GA HI IA IL IN KS KY LA MA MD ME MI MO NC ND NE NH NM RI SD TN VA WI WV WY
    ****
    Age 0 to 80 in states:
    CA NJ NV OH OK SC TX UT
    ****
    Age 0 to 64 in states: ****
    Age 65 to 80 in states:
    FL
    ****

    Policy Notes

    The @annuityname@ is a modified single pre --[ subscription required to view full text ]--
    *** @***********@ ** * ******** ****** ******* ***** ***** ******* **** * ********** ******* ********** *******. ********** ******** *** ******** ****** *** ***** ****** ****. *** @***********@ *** * @*******@ **** ********** ****** ****** *** * *** ********* ** **** ******.

    *** @***********@ ** ** ******* ********* ******** ** ******* ** ****** ******, *** ********** *** **** ******* *** ********** ******* ********** ******* (****) *******. @***********@’* **** ******* ** ********** *** **** ****** **** **** ***** ********* **** * **** *******. @***********@’* **** ******* ******* ** *********** ******* ****** **** **** ******* *** *** ** ******* ******** ********* ******** ** *** **** *******’* ******* **** ** ******* ** *** *******’* ******* *****. *** **** ******* ** ************* ******** ** *** ******* ** ** ********** ******.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    MVA Explanation
    Not available in CA IL MO NJ RI VA

    Applies only to withdrawal --[ subscription required to view full text ]--
    ******* **** ** *********** ** ************** ****** *** ********* ****** ******. *** *** ** ***** ** * ******* **** ***** **** ******* ******* ** ****** ** *.*. ******** ***** ******* *** **** ** ****** ***** *** *** **** ** *** ********** ** *************. *********, ** ******** ***** **** ******, *** *** **** ******** *** ********* *****. *** *** *** *** **** ***** *** ********* ***** ** ******** (** ******** ***** **** ***** ***** *** ****** *** *********), ****** ** ** ********* *** ******* ** **** ***** ******* ** *****.

    Commissions
    Effective date of commission schedule: 10/01/2020
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    FG Retirement Pro (Rates Only Apply To IAV)
    Up to age 75  
    Initial Premium: ****
    Ages 76-80  
    Initial Premium: ****

    Related Information

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