Principal Protection

Case Study

Challenge: Client is seeking predictable crediting while protecting principal.

Case Profile:

  • Client age 50-80
  • Finds tax deferral  appealing
  • Wants the ability to access the money or receive payouts if necessary


Principal protection, predictable crediting

The SecureFore series of fixed annuities provides compelling options for those clients who want principal protection with predictable crediting. The SecureFore series provides a guaranteed interest rate schedule for the initial three-, five- or seven-years, depending on the product selected. Products are single-premium and:




  • Allow 10% annual free withdrawals during the surrender charge period
  • Renew at current rates after the initial guarantee period, subject to a contractual minimum
  • Waive surrender charges and market value adjustment for nursing home confinement or terminal illness


SecureFore 7: Predictability with options

SecureFore 7 gives clients options and flexibility for their saving objectives. Clients have a choice a three-, five- or seven-year guaranteed rate schedule within a seven-year surrender charge duration. 

If the three- or five-year initial guaranteed rate period is elected, the Surrender Charge Waiver Rate provision allows the contract value to be withdrawn with no withdrawal charge provided the initial guaranteed rate period the renewal rate of interest credited on the contract falls below the Surrender Charge Waiver Rate. The Surrender Charge Waiver provision is not applicable for the seven-year initial guaranteed rate period.

When choosing the SecureFore 7 initial guaranteed rate period of three-, five-, or seven-years, the financial professional should consult with the client to determine the appropriate trade-off between longer-term rate certainty and higher initial rates, given the client's particular needs.

SecureFore 5: Complete crediting predictability

SecureFore 5 offers clients an attractive combination of appealing rates and complete crediting predictability with a guaranteed interest rate schedule for the duration of a five-year surrender charge period.

SecureFore 3: Short-Term Stability

SecureFore 3 fixed annuity offers a three-year guaranteed rate schedule with a three-year surrender charge period. Clients can enjoy the same crediting predictability as other SecureFore products, but for a shorter length of time. After the guaranteed rate period expires, a new interest rate will be declared and guaranteed for one year, however, your clients may appreciate the opportunity to move their money without penalty after three years, instead of five or seven.

Marketing Resources

SecureFore 3

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SecureFore 5

Product Details


SecureFore 7

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Guarantees are based on the claims-paying ability of Forethought Life Insurance Company.

Products and optional features are subject to state and firm availability. State variations may apply.

Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Distributions received from a non-qualified contract before the Annuity Commencement Date are taxable to the extent of the income on the contract. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your tax or legal counsel for advice.

“Forethought” is Forethought Life Insurance Company and affiliates, subsidiaries of Global Atlantic Financial Group Limited.

SecureForeTM fixed annuities are issued by Forethought Life Insurance Company and available in most states with contract FA1101SPDA-01, (certificate series GA1101SPDA-01, as applicable). Products and features are subject to state variations and availability. Read the Contract for complete details.