Annuity Atlas
Reviews

Expert review · 2025

Forethought review

Annuity Atlas has published 22 editorial reviews of Forethought products. Average peer-group rating 4.0 / 5, top-rated product earns 4.2 / 5. Browse the full lineup below.

Our rating

4.0
Avg ★ / 5
Products reviewed22
A.M. BestA
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Reviews published
22
Average rating
★ 4.0 / 5
A.M. Best
A
Categories covered
Income · MYGA · FIA
01

22 Forethought annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
ForeIncome II 7-Year with Guaranteed Income Builder
Pre-retirees in their 50s to mid-60s who want to lock in future lifetime income, value a built-in rider, and prefer a 7-year commitment over a 10-year one
Income7yr 4.2Yes
1.05% annually (0.95% max) fee
Review →
Income 150+ SE 7-Year
Buyers who want a built-in lifetime income guarantee with a front-loaded benefit base and a shorter surrender commitment than most income FIAs ask for
Income7yr 4.1Yes
1.20% annually fee
Review →
SecureFore 5-Year
Savers who want a locked 5-year guaranteed rate without index complexity, fee drag, or MVA risk — and who live in one of the states where this product is approved
MYGA5yrAReview →
SecureFore 7-Year
Conservative savers who want a guaranteed rate locked for seven years without the complexity of index strategies or income riders
MYGA7yrAReview →
SecureFore II 3-Year
Conservative savers who want a guaranteed rate locked for three years, easy RMD handling, and a short commitment they can plan around
MYGA3yrAReview →
SecureFore II 5-Year
Conservative savers who want a locked guaranteed rate for five years and prefer no-fee simplicity over index-linked upside
MYGA5yrAReview →
SecureFore II 7-Year
Savers who want a guaranteed rate locked for seven years, a meaningful free-withdrawal provision, and a carrier with solid financial standing
MYGA7yrAReview →
ForeCare
Pre-retirees aged 50–80 who want to self-fund potential long-term care costs using a fixed annuity structure rather than paying ongoing LTC insurance premiums
MYGA9yrAReview →
ForeIncome II 10-Year with Guaranteed Income Builder
Pre-retirees who want to fund a future guaranteed paycheck, can defer for several years, and want the income guarantee built into the contract
Income10yr 4.0Yes
1.05% annually (0.95% max) fee
Review →
ForeIncome II 10-Year with Income Multiplier
Pre-retirees who want to defer income for several years, value a built-in lifetime payout, and want the option to double that payout if they later cannot perform basic daily activities
Income10yr 4.0Yes
1.05% annually (0.95% max) fee
Review →
ForeIncome II 5-Year with Income Multiplier
Buyers who want a built-in lifetime income rider but are not willing to tie money up for the eight-to-ten years most income annuities demand
Income5yr 4.0Yes
1.05% annually (0.95% max) fee
Review →
ForeIncome II 7-Year with Income Multiplier
Buyers who want to defer income for several years and are drawn to a benefit base that grows as a multiple of the interest the contract actually earns
Income7yr 4.0Yes
1.05% annually (0.95% max) fee
Review →
Income 150+ SE 10-Year
Pre-retirees in their late 50s to mid-60s who want to defer income for a handful of years, lock in a strong day-one benefit base, and keep principal protected along the way
Income10yr 4.0Yes
1.20% annually fee
Review →
ForeAccumulation II 5-Year
Retirement savers who want a shorter-term FIA with a broad crediting menu and the option to add a meaningful death benefit guarantee without a long commitment
FIA5yr 3.9Review →
ForeAccumulation II 5-Year with Growth Accelerator Rider
Accumulation-focused buyers in eligible states who want a short FIA commitment and a broad nine-index menu, and who may elect the Growth Accelerator's higher caps and participation rates for a 1.25% annual strategy fee
FIA5yr 3.9Review →
ForeAccumulation II 7-Year
Buyers who want a principal-protected 7-year FIA with a broad index menu, no income rider, and an optional death benefit enhancement for legacy-minded buyers
FIA7yr 3.9Review →
ForeAccumulation II 7-Year with Growth Accelerator Rider
Accumulation-focused buyers who want a broad nine-index menu and are willing to pay the Growth Accelerator's 1.25% annual strategy fee for enhanced caps and participation rates
FIA7yr 3.9Review →
ForeIncome II 5-Year with Guaranteed Income Builder
Buyers who want a built-in lifetime income rider with a strong roll-up but do not want to lock their money up for the usual 7-to-10-year income-product surrender period
Income5yr 3.9Yes
1.05% annually (0.95% max) fee
Review →
SecureFore 3-Year
Savers who want a short guaranteed-rate commitment with no index complexity, competitive with CDs and short Treasuries
MYGA3yrAReview →
ForeAccumulation II 10-Year
Buyers who want principal-protected growth potential with a broad index menu and no rider fees, and who can commit to a 10-year horizon
FIA10yr 3.8Review →
ForeAccumulation II 10-Year with Growth Accelerator Rider
Long-horizon accumulation buyers who want a broad nine-index menu, have no expectation of needing the money during the surrender period, and may elect the Growth Accelerator's higher caps and participation rates for a 1.25% annual strategy fee
FIA10yr 3.8Review →
ForeAccumulation II 10-Year with Premium Enhancement
Buyers who want a front-loaded account boost, can commit to a full 10-year horizon, and prioritize account value growth over income flexibility
FIA10yr 3.814%Review →
02

Income rider fees

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

RiderProductFee
ForeAccumulation II Enhanced Death Benefit RiderForeAccumulation II 10-Year0.50%
ForeAccumulation II Optional Enhanced Death BenefitForeAccumulation II 10-Year0.75% annually
ForeAccumulation II Optional Enhanced Death Benefit (Issue Age 71+)ForeAccumulation II 10-Year1.20% annually
ForeIncome II Guaranteed Income Builder Benefit Level PaymentsForeIncome II 10-Year with Guaranteed Income Builder1.20% annually
ForeIncome II Guaranteed Income Builder Benefit Lifestyle PaymentsForeIncome II 10-Year with Guaranteed Income Builder1.20% annually
ForeIncome Option 1ForeIncome II 10-Year with Guaranteed Income Builder1.05% annually (0.95% max)
ForeIncome Option 2ForeIncome II 10-Year with Guaranteed Income Builder1.05% annually (0.95% max)
ForeIncome II Income MultiplierForeIncome II 10-Year with Income Multiplier1.05% annually

+3 more riders listed on individual product pages.

03

Frequently asked questions

Is Forethought a good annuity company?
Forethought earns an average rating of 4.0/5 across the 22 products we've reviewed, and A.M. Best rates the carrier A for financial strength.
What are the fees for Forethought annuities?
Fee structures vary by product. Optional income riders on Forethought products carry disclosed charges — for example ForeAccumulation II Enhanced Death Benefit Rider (ForeAccumulation II 10-Year): 0.50% ; ForeAccumulation II Optional Enhanced Death Benefit (ForeAccumulation II 10-Year): 0.75% annually ; ForeAccumulation II Optional Enhanced Death Benefit (Issue Age 71+) (ForeAccumulation II 10-Year): 1.20% annually . See each product review for the full fee detail.
What is the surrender period for Forethought annuities?
Surrender periods on Forethought's current lineup run 3–10 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.

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