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  • Fidelity & Guaranty Life


    FG Immediate-Income


    A SPIA
    This product is not available in *** *** *** *** *** *** *** *** ***

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



    Premium Bonus
    - none -

    Policy Notes

    Guaranty Income Plan is a single premium immediate annuity (SPIA) designed to convert retirement savings into income free from market risk. Guaranty In --[ subscription required to view full text ]--
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    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:   ***** *****

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

    Payout Options
    Life Options
    Life Only for: Single & Joint
    Installment Refund: No
    Cash Refund: Yes
    Survivor Benefit: 50% 66.6% 75% 100%
    Period Certain Options
    Period Certain Terms: 7 to 50 Years
    Survivor Benefit: 50%  66.6%  75%  100% 
    Life Plus Period Certain
    Life plus Certain: Single & Joint
    Life +Certain Terms: 5 to 50 Years

    Systematic Withdrawals


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

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    State Specific Notes

    Accelerated --[ subscription required to view full text ]--
    *********** ******* ***** *** ********* **: **, **, **, **, **, **.
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    Commissions
    Effective date of commission schedule: 06/18/2021
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    FG Immediate-Income
    All permitted ages  
    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 f --[ subscription required to view full text ]--
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