Need to Know

Who: Clients age 50-80 nearing or in retirement looking to invest for income certainty or a financial legacy.

Benefit: Range of tax-deferred investment options and optional benefits to customize a strategy that dovetails with objectives.

Min. issue: $10,000
non-qualified; $5,000 IRA
non-qualified; $5,000 IRA

Share classes: B, C, L


Lock in protection without locking out potential

ForeRetirement variable annuity is designed to facilitate a protection strategy that helps you address your clients' retirement challenges so they don’t become problems down the road without giving up the growth potential of an equity investment.

ForeRetirement offers optional income and death benefit protection options with daily growth potential to help you implement a strategy for your clients’ personal needs and objectives.

Without an employment income to rely on to help them wait out market cycles, people are seeking to protect themselves with a guaranteed lifetime income stream, protect their legacy from losses, or oftentimes both. Additional charges apply for optional benefits.





Selling Features


  • Long-term retirement investment
  • Tax-deferred growth potential through a variety of investment options and well-known money managers
  • Payout certainty

Optionality with a choice of daily step-up withdrawal benefits:

Two optional daily step-up withdrawal benefits for income:

• Daily 6 — For more downside protection with growth potential, a 6% annual Deferral Bonus prevails over step-ups, if greater1

• Daily +4 — For more growth potential with downside protection, receive a 4% Deferral Bonus annually, plus daily step-ups1


Three standalone death benefits available:

  • Legacy Lock II gives your clients the ability to preserve a legacy not reduced by withdrawals, with or without a withdrawal benefit2

  • Maximum Daily Value locks in highest daily contract value as death benefit

  • Return of Premium guarantees beneficiaries will receive the greater of the contract value or premium payments, adjusted for withdrawals


Additional charges apply for optional benefits. Term and restrictions apply. Availability may vary by state and firm

1 Deferral Bonuses are available until the earlier of the tenth contract anniversary or the first withdrawal. Daily step-ups are available unitl age 90.

2 Important Note: A variety of factors — including withdrawals, underperformance and fees — can reduce the contract value. When purchased alongside an optional living benefit, should the contract value be less than the greater of either one Lifetime Annual Payment or the minimum contract value, the death benefit reverts to traditional return of premium, and is reduced by all past and future withdrawals. The Legacy Lock II step-up would also no longer apply. You may need to choose between an unreduced death benefit and continued withdrawals should the contract value approach the required minimum. When not paired with an optional living benefit, you may need to discontinue withdrawals in order to maintain an unreduced benefit as any withdrawal that reduces the contract value below the minimum contract value will terminate the contract and death benefit. Death benefit terminates upon annuitization. Contracts must annuitize by age 90 or 10 years from purchase, whichever is greater. Please see the prospectus for more details.


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Daily 6/Daily +4 costs 1.25% annually. The charge cannot exceed 2.50%. These optional benefit charges may increase upon any contract anniversary. If an increase is declined, the withdrawal percentage will be decreased by 1% (ex.: 5% to 4%); however, market step-ups and Deferral Bonuses, if applicable will continue to be credited.

The Daily +4 and Daily 6 optional withdrawal benefits have certain additional considerations that clients should be familiar with before determining whether election of the optional benefit is suitable for their circumstances. Please refer to the Product Brochure for more information regarding Daily +4 and Daily 6 additional considerations.

Investment requirements apply. Investment options are designed to reduce investment volatility within the portfolios. As a result, clients should anticipate that their contract value normally may not decline in value as much as the overall market in downturns. However, they should also anticipate that their contract value will not normally increase in value to the same extent as the equity or bond markets during market upswings, simultaneously mitigating insurance company risk under the guarantee. If clients are uncomfortable with the inclusion of these fund options in their investment, Daily withdrawal benefits may not be suitable. .

All guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the benefit rules.

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

Variable annuities are long-term investments intended for retirement purposes that offer tax deferral, professionally managed investment options and flexible payouts. Values will fluctuate with investment performance, and the annuity may gain or lose value. Charges and fees will also reduce its value. Optional benefits are not available for purchase outside of a variable annuity and may be elected at an additional cost. A standard death benefit is included in the base product. Suitability and willingness to purchase the variable annuity must be considered prior to the potential benefits of any optional features.

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. Early surrender charges may also apply.

Withdrawals will reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal.

All death benefits terminate upon annuitization. Contracts must annuitize by age 90. Please see the prospectus for details.

Variable annuities are sold by prospectus. The prospectus contains investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing. Instruct your clients to read the prospectus, which can be obtained by calling 866-645-2449, before investing money.

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

The ForeRetirement flexible-premium variable annuity suite is issued by Forethought Life Insurance Company and underwritten and distributed by Forethought Distributors, LLC.