Make a plan, or your plan may be to keep working.

When you feel like you need a new job you can search for one. Retirement is different. There are no more career changes. But a variable annuity may help you keep up with the changing needs of life – and retirement. With investment flexibility and returns based on the performance of your investment selections, you have the potential to keep pace with rising expenses. Also, variable annuities today typically offer a range of options, features, and guarantees at an additional cost, so you can tailor the contract to help meet your personal needs.

Variable annuities:
  • Are tax-deferred retirement investments
  • Give you the potential to keep pace with, or outpace, rising expenses
  • Can be tailored with options to help meet your personal needs
  • Offer a choice of payout options for income
  • Provide a variety of professional money managers for your investment
  • Offer investment options spanning style and risk profiles
  • Allow you to pass proceeds directly to named beneficiaries as a death benefit

Learn about the ForeRetirement℠ Variable Annuity Suite

Learn about the ForeInvestor's Choice


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

All riders are subject to state approval and variations.

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.

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.

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 money. You can obtain a prospectus from your financial advisor or by clicking here.

Variable annuities are issued by Forethought Life Insurance Company and are underwritten and distributed by Forethought Distributors, LLC.

Products and optional features are subject to state and firm availability.