Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

F&G review

Annuity Atlas covers 17 F&G annuity products with live rates and contract specs. 15 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A

Insurer claims-paying rating

Products tracked
17
MYGA yield (lineup max)
5.55% · 7yr · Guarantee Platinum 7-Year
Income on $500K (benchmark)
$60,238/yr · Safe Income Advantage
Surrender range
3–14 years
Rate as of Oct 7, 2026
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Products covered
17
A.M. Best
A
Categories covered
FIA · Income · MYGA

17 F&G annuities

Click any product for rates, specs, and the full peer-group review.

Guarantee Platinum 7-Year
Conservative savers who want a locked guaranteed rate for 7 years with no index complexity and minimal fees
A
A.M. BEST
MYGA7-YR SURRENDER
Review →
Guarantee Platinum 5-Year
Savers who want a guaranteed rate locked for five years, no market exposure, and access to interest without penalty during the surrender period
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
Guarantee Platinum 3-Year
Conservative savers who want a short, fully guaranteed rate commitment with no index complexity and no rider fees
A
A.M. BEST
MYGA3-YR SURRENDER
Review →
Accelerator Plus 10
Buyers who want a meaningful upfront premium bonus, are comfortable with a 10-year commitment, and may want optional income access later
A
A.M. BEST
FIA10-YR SURRENDERBONUS 10% (through age 75) / 11% (through age 64) / 11% (through age 75) / 10% (ages 65–75) / 7% (ages 76–85) / 8% (ages 76–85)
Review →
Accelerator Plus 14
Buyers in a handful of approved states who want a built-in lifetime income rider, are comfortable with a 14-year lockup, and value having a vesting bonus as part of the deal
A
A.M. BEST
Income14-YR SURRENDERINCOME RIDER 0.95% annually FEEBONUS 12% (through age 75) / 9% (ages 76–85)
Review →
AccumulatorPlus 10
Accumulation-focused buyers who want a broad index menu, no mandatory income rider, and principal protection over a longer time horizon
A
A.M. BEST
FIA10-YR SURRENDER
Review →
AccumulatorPlus 7
Buyers who want a broad index menu and principal protection over a 7-year horizon, with built-in waiver coverage for nursing home and terminal illness events
A
A.M. BEST
FIA7-YR SURRENDER
Review →
FG 1-2-3 Anytime Income
A
A.M. BEST
FIA10-YR SURRENDER
Details →
FG 1-2-3 Future Income
A
A.M. BEST
FIA10-YR SURRENDER
Details →
Flex Accumulator
Buyers who want index-linked accumulation with a meaningful no-cost death benefit enhancement and can commit to a 10-year window
A
A.M. BEST
FIA10-YR SURRENDER
Review →
Performance Pro
Pre-retirees who want an immediate account-value boost, lifetime income access they can elect at issue, and principal protection in a single long-duration contract
A
A.M. BEST
FIA10-YR SURRENDERINCOME RIDER 0.10% annually (1.50% max) FEEBONUS 16% (through age 75) / 18% (through age 75) / 21% (through age 64) / 21% (through age 75) / 18% (ages 65–75) / 11% (ages 76+) / 12% (ages 76+) / 15% (ages 76+)
Review →
Power Accumulator 10
Accumulation-focused buyers who want a broad ETF-based index menu and principal protection and are comfortable with a full 10-year commitment
A
A.M. BEST
FIA10-YR SURRENDER
Review →
Power Accumulator 7
Buyers who want a mid-length FIA with a broad, alternative-index-heavy crediting menu and a built-in long-term care waiver
A
A.M. BEST
FIA7-YR SURRENDER
Review →
Prosperity Elite 10
Buyers who want a premium bonus, a future income option, and a long deferral window in one contract, and who plan to add the Protection Package
A
A.M. BEST
FIA10-YR SURRENDERBONUS 11% (through age 70) / 12% (through age 64) / 12% (through age 70) / 11% (ages 65–70) / 5.75% (ages 71–85) / 6.5% (ages 71–85)
Review →
Prosperity Elite 14
Long-horizon buyers who want a sizable upfront bonus plus the option to add lifetime income, and who are certain they will not need the money for well over a decade
A
A.M. BEST
FIA14-YR SURRENDERBONUS 14% (through age 70) / 7.5% (ages 71–85)
Review →
Prosperity Elite 7
Buyers who want a vesting premium bonus, a wide index menu, and the option to add lifetime income or enhanced death benefits later
A
A.M. BEST
FIA7-YR SURRENDERBONUS 4% (through age 70) / 2.5% (ages 71–85)
Review →
Safe Income Advantage
Pre-retirees who want to defer several years, lock in a strong compounding income base, and value an unusually low $10,000 entry point for an income FIA
A
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 1.15% annually (1.50% max) FEE
Review →

What you could receive

Live projection for Safe Income Advantage with Safe Income Advantage GMWB Level Option, single life, issue age 62, income beginning at age 67. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

PremiumMonthlyAnnual
$250,000$2,510$30,119
$500,000$5,020$60,238
$1,000,000$10,040$120,477

Income rider fees

Disclosed charges for optional riders on F&G products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Accelerator EGMWB RiderAccelerator Plus 100.95% annually
Accumulator Plus Series: FG Income for LifeAccumulatorPlus 100.70% annually (1.00% max)
Performance Pro: Enhanced Guaranteed Minimum Withdrawal BenefitPerformance Pro0.10% annually (1.50% max)
Enhancement Package: Guaranteed Minimum Death Benefit Rider (GMDB)Prosperity Elite 100.60% annually
EGMDB RiderProsperity Elite 100.50% annually
EGMDB Rider (Lump Sum)Prosperity Elite 100.60% annually
EGMDB Rider (Payable Over Time)Prosperity Elite 100.60% annually
Prosperity Elite Series: Protection Package 408Prosperity Elite 101.30% annually

+6 more riders listed on individual product pages.

Frequently asked questions

Is F&G a good annuity company?
We have reviewed 15 F&G products, and A.M. Best rates the carrier A for financial strength.
How much income can I get from a F&G annuity?
Income depends on your premium, age, and start date. At our benchmark scenario (single life, issue age 62, income beginning at age 67), F&G's highest-paying income product (Safe Income Advantage) currently projects about $60,238 per year on a $500,000 premium, or $30,119 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for F&G annuities?
Fee structures vary by product. Optional income riders on F&G products carry disclosed charges, for example Accelerator EGMWB Rider (Accelerator Plus 10): 0.95% annually ; Accumulator Plus Series: FG Income for Life (AccumulatorPlus 10): 0.70% annually (1.00% max); Performance Pro: Enhanced Guaranteed Minimum Withdrawal Benefit (Performance Pro): 0.10% annually (1.50% max). See each product review for the full fee detail.
What is the surrender period for F&G annuities?
Surrender periods on F&G's current lineup run 3–14 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
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