Fidelity & Guaranty Life Insurance Company of New York
Fgny Index Choice 10
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 and brochure.
Type
FIA
Surrender
10 years
Top yield
3.20%
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 |
|---|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | 3.00% | — | — | 3.20% |
| 1 Year S&P 500 Annual Point-to-Point with Cap | Point to Point | — | 6.50% | — | 2.90% |
| 1 Year S&P 500 Monthly Averaging with Cap | Point to Point | — | 5.50% | — | 2.90% |
| 1 Year S&P 500 Monthly Point-to-Point with Cap | Point to Point | — | 2.20% | — | 2.90% |
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
10%
Yr 4
9%
Yr 5
8%
Yr 6
7%
Yr 7
6%
Yr 8
5%
Yr 9
4%
Yr 10
2%
Yr 11
0%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- false
- Return of premium
- false
- States available
- 1 states
Carrier Brochure
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.