ForeRetirementSM B-Share
Variable Annuity


Contract Restriction
Maximum Issue Age
Based on owner(s) and annuitant(s).
Maximum issue age may be subject to broker-dealer restrictions.
Maximum Annuitization Age
The later of age 90 or ten years from the date of issue (owner can elect earlier date). May vary by firm. Certain IRAs require payments to commence by age 70½.
Investment Amounts
Initial Investment
  • Minimum Initial Premium Payment
  • $10,000 for non-qualified contracts
  • $5,000 for IRAs
Additional Investments
  • Minimum Subsequent Payment
  • $500
  • When accompanied by InvestEase® Program
  • $50
  • Minimum Contract Value
  • $2,5001
For all contracts
  • Mortality and Expense Risk Charge
  • 0.45%
  • Administrative Charge
  • 0.20%
  • Premium Based Charge3
  • 0.50%
  • Total Standard Contract Charge
  • 1.15%
  • Total Annual Fund Operating Expenses4
  • 0.58% to 2.03%
  • Fund Facilitation Fee (applies only to certain funds)
  • Up to 0.50% per fund
  • Annual Maintenance Fee (applies to contract value less than
    $50,000 on Contract Anniversary or upon surrender)
  • $50
  • Contingent Deferred Surrender Charge (CDSC5):
  • Year1 2 3 4 5 6 7 8
  • 8.5% 7.5% 6.5% 5.5% 4.5% 3.5% 2.5% 0%
For Optional
if elected6
  • Maximum Charge
  • Current Charge7
  • Daily Lock Income BenefitSM
  • 2.50%
  • 1.25%
  • Annual Lock Income BenefitSM
  • 2.50%
  • 1.05%
  • Return of Premium Death Benefit
  • 0.75%
  • 0.15%
  • Maximum Anniversary Value Death Benefit
  • 1.50%
  • 0.25%
  • Maximum Daily ValueSM
  • 1.50%
  • 0.45%
  • Legacy LockSM8
  • 1.50%
  • 0.85%
  • Standard Death Benefit is Contract Value.
Access to Income
Annual Withdrawal Amount
Partial Withdrawals: During each year when a CDSC applies, you may take partial withdrawals up to an amount equal to the Free Withdrawal Amount (FWA) without incurring a CDSC.
The FWA is the greater of (a) your total Premium Payments that are subject to a CDSC multiplied by 5%; or (b) Earnings, defined as Contract Value minus total Remaining Gross Premiums9.
All guarantees assume compliance with the benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company.

1Minimum contract value can be increased to $10,000. Subject to change and state approval.

2All expenses are described in the prospectus.

3 Charge is annualized and assessed quarterly.

4Total annual fund operating expenses may not include any contractual waivers that may apply.

5Each Premium Payment carries its own Contingent Deferred Surrender Charge. Taking partial withdrawals may significantly negatively affect your investment. Please consult with your Investment Professional before making partial withdrawals to be sure that you understand the ways such a decision will affect your contract.

6Please see the prospectus for more details regarding limitations and restrictions pertaining to these features, such as investment restrictions and availability. Optional benefits may not be available in all states and firms and may be subject to ordinary income tax. Optional benefit charges are annualized and assessed quarterly.

7Charges based on the benefit value and assessed against the contract value. If Spousal Continuation is selected under the Single Life option for income protection benefits or any death benefit options, the rider charge upon Spousal Continuation will be the then-current charge for new sales, if available, subject to the election rules then in place.

8Important Note: A variety of factors — including withdrawals, underperformance and fees — can reduce the contract value. Should the contract value be less than one Lifetime Annual Payment, the death benefit reverts to traditional return of premium and is reduced by withdrawals. The Legacy Lock 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 one Lifetime Annual Payment.

9Remaining Gross Premiums equal total Premium Payments minus prior withdrawal amounts in excess of the Contract Value FWA at the time of the withdrawal, while subject to CDSC.


Variable annuities are sold by prospectus only. 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. You should read the prospectus carefully before investing money. The prospectus is available here, or you can obtain one from your registered representative.

This material is authorized for distribution only when accompanied or preceded by a prospectus and an applicable product brochure for the annuities being offered. 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. You should read the prospectus carefully before investing money.

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.

All optional benefits are subject to state and firm approval and variations.

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.

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

The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to your investment. This information does not constitute personalized investment advice or financial planning advice.

ForeRetirement is a flexible premium variable annuity issued by Forethought Life Insurance Company, Indianapolis, IN: FL-FPVA-12, FL-FPVA-12CA, FL-FPVA-12CT, FL-FPVA-12FL, FL-FPVA-12MT, ICC12-FLICVA. ForeRetirement is underwritten and distributed by Forethought Distributors, LLC.

All statements qualified by final prospectus and Contract and are subject to change without notice. In the event of a conflict between this information and that contained in the prospectus and/or contract, the prospectus and contract shall prevail.

All information herein is as of 11/2013, unless otherwise noted.

​Investment Options and Fund Expenses


American Century

  • American Century VP Growth Fund
  • American Century VP Mid Cap Value
  • American Century VP Value Fund

American Funds

  • American Funds Global Growth and Income Fund
  • American Funds Growth Fund
  • American Funds Growth-Income Fund
  • American Funds International Fund
  • American Funds New World Fund
  • American Funds Protected Asset Allocation Fund
  • American Funds Managed Risk Asset Allocation Fund


  • BlackRock Capital Appreciation V.I. Fund
  • BlackRock Equity Dividend V.I. Fund
  • BlackRock Global Allocation V.I. Fund
  • BlackRock High Yield V.I. Fund
  • BlackRock U.S. Government Bond V.I. Fund


  • FVIT American Funds Managed Risk Portfolio
  • FVIT BlackRock Global Allocation Managed Risk Portfolio
  • FVIT Index Managed Risk Portfolio
  • FVIT Select Advisor Managed Risk Portfolio
  • FVIT WMC Research Managed Risk Portfolio

Franklin Templeton

  • Franklin Income Securities Fund
  • Franklin Rising Dividends Securities Fund
  • Franklin Small Cap Value Securities Fund
  • Franklin Strategic Income Securities Fund
  • Mutual Shares Securities Fund
  • Templeton Foreign Securities Fund
  • Templeton Global Bond Securities Fund
  • Templeton Growth Securities Fund


  • Hartford Capital Appreciation HLS Fund
  • Hartford Dividend and Growth HLS Fund
  • Hartford Growth HLS Fund
  • Hartford High Yield HLS Fund
  • Hartford Index HLS Fund
  • Hartford International Opportunities HLS Fund
  • Hartford Portfolio Diversifier HLS Fund
  • Hartford Total Return Bond HLS Fund
  • Hartford Value HLS Fund


  • Invesco V.I. Balanced Risk Allocation Fund
  • Invesco V.I. Core Equity Fund
  • Invesco V.I. International Growth Fund
  • Invesco V.I. Mid Cap Core Equity Fund
  • Invesco V.I. Money Market Fund
  • Invesco V.I. Small Cap Equity Fund

Lord Abbett

  • Lord Abbett Bond-Debenture Portfolio
  • Lord Abbett Fundamental Equity Portfolio
  • Lord Abbett Growth Opportunities Portfolio


  • MFS Growth Series
  • MFS International Value Portfolio
  • MFS Investors Trust Series
  • MFS New Discovery Series
  • MFS Value Series


  • PIMCO EqS Pathfinder Portfolio
  • PIMCO All Asset Portfolio
  • PIMCO Total Return Portfolio


  • Putnam VT Equity Income Fund
  • Putnam VT Income Fund
  • Putnam VT Voyager Fund


  • TOPS™ Managed Risk Balanced ETF Portfolio
  • TOPS™ Managed Risk Growth ETF Portfolio
  • TOPS™ Managed Risk Moderate Growth ETF Portfolio

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

The investment options listed have certain associated risks. For more information about these risks, and to learn more about each investment option’s investment objective, charges and expenses, please refer to the prospectus.

You can download electronic versions of the prospectus, statement of additional information, literature and more.

View the ForeRetirement Variable Annuity Prospectus for B, C and L shares

View the ForeRetirement underlying fund prospectuses


ForeRetirement Variable Annuity Suite Brochure

Down​​loa​d​ PDF

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.

100163, 100167, 100021-2