Upside potential with downside protection.

It’s natural for you to want to protect and try to make the most of the money you’ve saved for retirement. That’s why a fixed index annuity (FIA) is appealing to many as they save for retirement. It has the potential to outpace current interest rates and inflation without the risk of performance-based losses. Plus, in addition to traditional annuity payout options, fixed index annuities may offer enhanced features for securing and growing a predictable income for your retirement.

Among their many benefits, fixed index annuities typically:

  • Offer greater interest crediting potential than prevailing interest rates since crediting is linked to any positive performance of an equity index, often the S&P 500®, subject to maximum limits
  • Help protect your principal when index performance is negative by eliminating market losses
  • Accrue value based solely on interest earnings, so there are no losses from poor market performance
  • Offer multiple methods of interest crediting to choose from
  • Offer a variety of traditional and enhanced payout options for retirement income
  • Allow withdrawal of up to 10% of your money annually without cost during the surrender charge period and full access to your money outside of the surrender charge period
  • Are available with a variety of surrender charge durations

Talk to your financial professional to learn about Forethought’s fixed index annuity products.

ForeAccumulationTM fixed index annuity offers the features of a traditional fixed index annuity and also includes a Guaranteed Minimum Accumulation Value. This value may increase your contract value at the end of the surrender charge period, either six or eight years, depending on the established crediting method for the period.

ForeIncomeTM fixed index annuity offers the features of a traditional fixed index annuity along with an available Guaranteed Lifetime Withdrawal Benefit. This benefit includes a choice of deferral bonus options – 10% with no interest credits added or 7.5% plus an additional dollar amount of interest credits annually (minus withdrawals). In addition, ForeIncome offers a Guaranteed Minimum Surrender Value, which may increase your contract value upon surrender. It provides for a minimum surrender value after the surrender charge period, either seven or nine years. It can also serve as a minimum death benefit.

Income 150+TM fixed index annuity offers bold benefits to help you generate income for retirement. Income is driven by a unique value within the contract, known as the Income Base. The Income Base receives guaranteed growth before income starts, so that your income can grow more predictably. This product offers three income boosts. 

Income 125+TM fixed index annuity offers the potential to grow retirement assets at a better interest rate than traditional savings options, while still providing protection against financial market declines. Upon issue, you will receive a 25% income bonus based on initial premium. In addition, a guaranteed lifetime income feature provides annual growth of 5% for 10 years (assuming no withdrawals). 

ForeFront Index ChoiceTM fixed index annuity is designed with three strategies to help further your retirement savings objectives.

ForeFront Index BonusTM fixed index annuity offers a guaranteed lifetime income feature plus a 7% premium bonus at issue, which gives you a head start on the road to retirement.

Index Bonus 115TM fixed index annuity provides an initial income bonus equal to 15% of premium as well as a guaranteed lifetime income feature that grows at a rate of 6% annually for the first 10 years or until you decide to take income (assuming no withdrawals). 


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

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.

A life and health license is required to sell ForeCareTM. Some states may also require long-term care certification. Underwriting, typically completed at the point-of-sale, is also necessary. To invoke ForeCare’s long-term care benefits, the Insured must be unable to perform at least two of the six Activities of Daily Living as determined by a licensed health care professional.

Variable annuities 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. 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.

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.

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.

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

ForeIncomeTM and ForeAccumulationTM fixed index annuities are issued by Forethought Life Insurance Company and available in most states with contract FL-FIA-13 and ICC14-FL-FIA.

ForeCareTM fixed annuities are issued by Forethought Life Insurance Company and available in most states with Contract FA1101SPDA-01 (certificate GA1101SPDA-01, as applicable) with Rider for Long Term Care Benefits Form LTC2000-01, Optional Inflation Protection Benefit Rider Form LTC2001-01 and Optional Nonforfeiture Benefit Rider Form LTC2002-01 (certificate series LTCG2000-01, LTCG2001-01 and LTCG2002-01, as applicable).

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.

Indices are not available for direct investment.