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  • Fidelity & Guaranty Life


    Prosperity Elite 10 Enhancement


    A Fixed Indexed Annuity with a 10-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 Gold Point-to-Point with a Cap   ***    ***    ***   *** 
    1-Year Index Gain Option with Declared Rate Trigger: 3.50
     ***    ***   *** 
    1-Year S&P 500 Monthly Average with A Cap   ***    ***    ***   *** 
    1-Year S&P 500 Monthly Point-to-Point with a Cap   ***    ***    ***   *** 
    1-Year S&P 500 Point-to-Point with a Cap   ***    ***    ***   *** 
    2-Year Barclays Trailblazer Sectors 5 Index   ***    ***    ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus by Age/State
     Year: 1
    Age 0 to 70 in states:
    AK AL CA DE ID MA MN MS MT NJ NV OH OK OR PA PR SC TX UT WA
    ****
    Age 0 to 70 in states:
    AR AZ CO DC FL GA HI IA IL IN KS KY LA MD ME MI MO NC ND NE NH NM RI SD TN VA VT WI WV WY
    ****
    Age 71 to 85 in states:
    AR AZ CO DC FL GA HI IA ID IL IN KS KY LA MD ME MI MO MT NC ND NE NH NM PR RI SD TN VA VT WI WV WY
    ****
    Age 71 to 85 in states:
    AK AL CA DE MA MN MS NJ NV OH OK OR PA SC TX UT WA
    ****
    Age 0 to 64 in states: ****
    Age 65 to 70 in states:
    FL
    ****
    Age 71 to 85 in states: ****

    Policy Notes

    The @annuityName@ is a fle --[ 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 ***** ** *** ****** ****
    *****************: **** ****** **** *****

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

    State Specific Notes

    One-year Gold Commod --[ subscription required to view full text ]--
    ***-**** **** ********* ****** *****-**-***** **** *** ******** *** ********* **: **, **, **, **, **, **, **, **
    &****;
    *******'* *********** ********** *** ******** ** **, **, **

    MVA Explanation
    Not available in AK AL ID MN MO MS MT OR PA PR WA

    A Market Value Adjustment (MVA) is an adjustment that is made d --[ subscription required to view full text ]--
    * ****** ***** ********** (***) ** ** ********** **** ** **** ****** *** *******'* ********* ****** ****** ** *** ******* ** ******* ***** ********* ** ******* ** ** ******* ****** **** ******* *** **** ********** ******. *** *** ** ******* ** ******** ** *** ********** ********* ****** ******. ********* ** *** ****** ** ***** ***** **** ****** ********* ***** *******, *** *** *** ******** ** ******** *** ****** ** *** ********** ** *** ********* *****. *********, ** ***** **** ***** ***** *** ********* **** *******, *** *** **** ******** *** ********* *****; ** ***** **** ******, *** *** **** ******** *** ********* *****.

    *** *** ** ***** ** * ******* **** ***** **** ******* ******* ** ***** ******* *** **** ** ****** ***** *** *** **** ** *** **********. ***** *** ***** ** *** ********* ******** ** ********* *****. ** ******** *** ****** ** *** ******* ***** ********* ** ******* ** ** ******* ****** **** ** ******* ** *** *** ** *** ****** ***** ********** ******.

    *** *** ***** ** *** *** *** ********* ******* **** *** ****** *** ********* ***** ** ** ****** ***** ** **** **** *** ******* ********** ********* *****.

    * ******** *** **** ******** *** ********* *****, *** * ******** *** **** ******** *** ********* *****.

    Commissions
    Effective date of commission schedule: 10/01/2020
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    Prosperity Elite 10 Enhancement
    Up to age 70  
    Initial Premium: ****
    Ages 71-75  
    Initial Premium: ****
    Ages 76-85  
    Initial Premium: ****

    BASIC COMMISSIONS - Basic Commissions on Authorized Contracts listed below shall be payable in accordance with this Compensation Schedule. Basic Commissions are expressed as percentages ofpremiums received and accepted by the Company subject to the other provisions herein contained based on the policy effective date. Basic Commissions on additional policies and riders hereafter offered by the Company shall be payable at rates to be furnished by the Company. Any policies in --[ subscription required to view full text ]--
    ***** *********** - ***** *********** ** ********** ********* ****** ***** ***** ** ******* ** ********** **** **** ************ ********. ***** *********** *** ********* ** *********** ********** ******** *** ******** ** *** ******* ******* ** *** ***** ********** ****** ********* ***** ** *** ****** ********* ****. ***** *********** ** ********** ******** *** ****** ********* ******* ** *** ******* ***** ** ******* ** ***** ** ** ********* ** *** *******. *** ******** ** ***** ** *** **** **** ************ ******** ******* ********* ***** ** ******* ** *** ********** *** ********** ********** ********** *** ***** ** *** ************ ******** ********** ** *** **** **** ******** **** ******. *********** ***** *** ** **** ** *** ******** ****** ** **** ** *** *******. **** ******** ** ******* ** ****** ** *** **** ** *** *******.

    ***** ******** ******* ***** - *********** ***** *** ***** **** ********* ********* (****)- * ***** **** ** *** ** ***** *** ***** ***** **** ******* ** ** ****** ** $***,***. * ********** ********* ** ** ***** ****** *** *** ******(*) ****** ** *** **** ****** ** *** **** **** *** ***** *** ***** ***** **** ******* ** ********* ******* $***,*** **** ** **** *********** ** *** ***** ****** ** ******* (********* ** ** *** ****** ******). ********** ******** *** ****** ** * ********** ** ** ****** *** ***** ******* ** ****** $***,***.******* ********* - *** *** ******* *********, ******** *** ******** ** ** *** ********* $*,***,*** **** ** ***** **** ****** ******** ** ********* ** **********. **** ******** *** ***** ** ****** ** ****** ******** ** ****** ** $*,***,*** ** ****** * ******** ************ ******.

    ********** *** ******** ************ - *** ******** ****** ** *** ******* ** * ****** ** ******** *********** ** ******** ******** **** ** *********** ** * ******* **** *** ** *** *******. *** ********** *********** ** *** ****** *** ***** ** ******* **** ** ******* ** * ***********. *********, **** ****** **** ** ************* *** ************ ******** *** *********** ** ***** ****** ******** **** ** ******* ** ** **** **** *********** ******** *** ************ **** ** ******** ***********. ****** ****** ******* ******* ******* **** *** ******* **********.

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    ********** - ***** **** *********** **** ** ******* **** ***: *** ****** ***** ** ********** * "*** *****"; *** ****** ***** ** *** ****** ** *** *******, ** ** ******* ******, ** *********; *** ********* ** ***** *** ******** ***** ** ******* ** ********** ***** *********** *** /** ******* ******** *** **********; *** ********* ** ***** *** ******** ***** ** ********** ********* **** *** *******.

    *********** ** ***** ************** â“ (******* ** **** *********** ************* *** ************* ***** ** *********): *** *** ************* ** *** ******** ******** ** ****** ********** ********** ******, ***% ********** **** ** *********** ** *** ************* ** ***** *** ********** ********** ******, ***** ** ** *********.

    *********** ** ************* ** ******** ********* - (******* ** **** *********** ************* *** ************* ***** ** *********- *********): *********** ** ************** **** ******* **** ********* ***** ***** */*/**** ** *******, ** ********** ************ **** ** ****.

    *********** ** ************** **** ******* **** ********* ***** ***** ** */**/** **** ** **** **** **** *********** ** ************ ****** *** ********** ********** ****** *** ***** *** ****** ********* ******* *******.

    **** ********* **** ********* ********* ****** *******, **** **** *********** **** ** **** ** ************** ***** ***** ** *** **** ***** *** ****** ******** **** ********* ******.

    ***** ** ***** â“ ***** *** ** *********** ** ***** ** * ***********.

    ***** ************ - ***** ************ ** ******* ** ***** **** *** ****** ** ******* ***** ***** (** ********). *** ***** ************ **** ** ********* ***** ** *** ******* ********* *** **** *** *** **** ** *** ******** ****** ********* *********. *** ***** ************ **** ** ***** ** *** ******* ***** *** **** ** **** ********* (*** ** *** *******) ********* ***** *** ***** ****** ****. *** ***** ************ **** ** **** ** *** ******* ***** ***** **** *** *** **** ** *** ******** ****** ********* ** *** ****** *********. *** ***** ************ ** *** ********* **** *** **.

    *** - *********** ***** ******


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