Fidelity & Guaranty Life
FG 1-2-3 Anytime Income
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
10 years
Top yield
0.37%
A.M. Best
A
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| Fixed | Fixed | 2.80% | — | — | 0.37% |
| Balanced Asset 10 Index One-Year Point-to-Point Par | Point to Point | — | — | 60.00% | 0.09% |
| Balanced Asset 10 Index One-Year Point-to-Point Spread and Par | Point to Point | — | — | 105.00% | 0.09% |
| Balanced Asset 10 Index Two-Year Point-to-Point Spread and Par | Point to Point | — | — | 85.00% | 0.09% |
| Balanced Asset 5 Index One-Year Point-to-Point Spread and Par | Point to Point | — | — | 110.00% | 0.09% |
| Balanced Asset 5 Index Two-Year Point-to-Point Spread and Par | Point to Point | — | — | 165.00% | 0.09% |
| BlackRock Market Advantage One-Year Point-to-Point Par | Point to Point | — | — | 85.00% | 0.09% |
| BlackRock Market Advantage Two-Year Point-to-Point Spread and Par | Point to Point | — | — | 120.00% | 0.09% |
| Morgan Stanley US Equity Allocator One-Year Point-to-Point Spread and Par | Point to Point | — | — | 50.00% | 0.09% |
| Morgan Stanley US Equity Allocator Two-Year Point-to-Point Spread and Par | Point to Point | — | — | 75.00% | 0.09% |
| S&P 500 One-Year Monthly Point-to-Point Cap | Point to Point | — | 1.90% | — | 0.09% |
| S&P 500 One-Year Point-to-Point Cap | Point to Point | — | 5.25% | — | 0.09% |
| S&P 500 One-Year Point-to-Point Performance Trigger | Performance Triggered | — | 3.75% | — | 0.09% |
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
10%
Yr 4
8.75%
Yr 5
7.5%
Yr 6
6.25%
Yr 7
5%
Yr 8
3.75%
Yr 9
2.5%
Yr 10
1.25%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 50 states
Income Riders
1-2-3 Anytime Income Lifetime Income Rider(built in)
Roll-up: Interest Only with 2.50% bump up
1-2-3 Anytime Income Lifetime Income Rider: Issue Age 0-29(built in)
Roll-up: Interest Only with 2.50% bump up
1-2-3 Anytime Income Lifetime Income Rider: Issue Ages 30-39(built in)
Roll-up: Interest Only with 2.50% bump up
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.