Fidelity and Guaranty (F&G) AccumulatorPlus 10 Fixed Indexed Annuity


F&G Accumulator Plus 10 is a 10-year retirement plan designed to preserve your savings with index growth potential and no downside risk, access for qualifying health conditions, and leaving a death benefit.

FG AccumulatorPlus 10 fixed indexed annuity is a 10-year retirement plan designed to help you:

  • Preserve your savings with indexed growth potential and no downside market risk
  • Meet expenses with access for qualifying health conditions and limited partial withdrawals
  • Leave a financial legacy with a death benefit for peace of mind


What is an annuity? 

What is an annuity? An annuity is a long-term retirement tool that can be a cornerstone of your financial security and success.

You pay a premium (think of it as your principal) to F&G and F&G provides an annuity contract with unique benefits to you.

An annuity protects and potentially builds your retirement savings, with the option of converting them into scheduled income payments for retirement.

If you’re interested in an opportunity to grow your savings based on a market index–without the risk of actually participating in the market–a FIXED INDEXED ANNUITY may be a good choice for you.


Is FG AccumulatorPlus 10 a good option for you?

F&G Life’s AccumulatorPlus 10 annuity protects your savings from market risks while potentially giving you market-based growth with tax-deferred earnings. It is a long-term retirement planning product with these important features:

  • 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 nursing or home health care, or in the event of a 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 2-10 of over 10% of your account value, will incur withdrawal charges. 

Growth Potential

At any time before maturity, you may add more premium to your account value. Growth in your account value is tax-deferred.

Your choice for tax-deferred growth

You choose any combination of these potential interest-earning options:

Each index option is subject to caps, participation rates, and/ or spreads.

The index options are linked to a market index, but you are not investing directly in the stock market or any index.

We protect you from downside risk, and you are guaranteed not to lose money due to market declines.

Each index option is available with or without a fee.

Index options with a fee may provide higher caps, participation rates, and declared rates, or lower spreads than options without fees.

At the end of each crediting period, any gains are locked in.



Access for unexpected health care costs

If you need home health or nursing home care, or in the event of terminal illness, you may access your total account value with no surrender charges or Market Value Adjustment (MVA). The diagnosis of terminal illness, or the beginning of home health or nursing home care, must occur at least one year after the contract is issued. These are defined conditions, and this benefit may vary from state to state.

Death benefit

Your account value is paid as a lump sum death benefit.

Ability to withdraw

You may withdraw your money at any time. We know you may have unexpected opportunities or expenses. You’ll have penalty-free access to 10% of the total account value in years 2-10. Any other withdrawals will incur withdrawal charges. These consist of surrender charges and MVA. The surrender charge in contract year one is 12% of the withdrawal, and this percentage decreases over 10 years. The following states follow an alternate surrender charge schedule:

  • AK
  • AL
  • CA
  • DE
  • FL (issue ages 65+)
  • MA
  • MN
  • MS
  • NJ
  • NV
  • OH
  • OK
  • OR
  • PA
  • SC
  • TX
  • UT
  • WA

In these states, the surrender charge in contract year one is 9% of the withdrawal, and this percentage decreases over 10 years.

What is a Required Minimum Distribution?

An RMD is an amount that qualified plan participants must begin withdrawing at age 102. RMDs are required in order to avoid a penalty from the IRS and will be taxed as regular income. If you need to withdraw above the annual penalty-free withdrawal amount for the purpose of an RMD, F&G will waive any surrender charges and market value adjustments.

What is a Market Value Adjustment?

Any time a withdrawal incurs a surrender charge, an MVA will be made. The MVA is based on a formula that takes into account changes in the rates since the contract was issued. Generally, if rates have risen, the MVA will decrease the surrender value; if they have fallen, the MVA will increase the surrender value. The MVA does not apply in

  • AK
  • AL
  • IL
  • MN
  • MO
  • MS
  • OR
  • PA
  • WA



You don’t have to worry about outliving your assets – you can turn your annuity into scheduled payments for life on its maturity date. The maturity date of your FG AccumulatorPlus 10 annuity is set when it is issued.


Minimum Premium

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