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 losses
  • Accrue value based solely on interest earnings, so there are no losses from poor performance
  • Offer multiple methods of interest calculation 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 an independent financial agent to learn about Forethought’s fixed index annuity options.


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

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. If you are purchasing a fixed index annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from the fixed index annuity. Under these circumstances, you should only consider buying a fixed index annuity if it makes sense because of the annuity’s other features, such as lifetime income payments and death benefit protection.

Annuity death benefits may be subject to ordinary income tax.

The S&P 500® is an unmanaged index which measures broad based changes in stock market conditions based on the performance of 500 widely held U.S. common stocks. The index is not available for direct investment.

“Standard & Poor’s®,” “S&P®,” “S&P 500®,” “Standard & Poor’s 500,” and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Forethought Life Insurance Company. Forethought Life’s Fixed Indexed Annuities are not sponsored, endorsed, sold or promoted by Standard & Poor’s® and Standard & Poor’s® makes no representation regarding the advisability of purchasing the product. Past performance of the S&P 500® is no guarantee of future results. Any examples utilizing the S&P 500® Index are for illustrative purposes only. The S&P 500® Index is a price index and does not reflect dividends paid by the stocks underlying the index.

Marketing materials may not be available for use in all states, including but not limited to Connecticut, Georgia, and Mississippi. Not construed as an offer for solicitation until your state has approved the product and the referenced marketing materials.