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Product Details
Prosperity Elite 14 Protection
Company social profile:
Product Name
Prosperity Elite 14 Protection
Annuity Type
FIA
Issuing Insurance Company and Ratings
Fidelity & Guaranty Life Insurance Company
Ratings
Product Information
The Prosperity Elite 14 Protection is a Flexible Premium Fixed Indexed Deferred Annuity with a @scyear@-year surrender charge period and a market value adjustment provision. The Protection Package includes a premium bonus that vests over time and two riders: an Enhanced Guaranteed Minimum Withdrawal Benefit Rider (“EGMWB Rider”) and an Enhanced Guaranteed Minimum Death Benefit Rider (“EGMDB Rider”). The Policy is primarily intended for customers seeking a long-term retirement savings vehicle. The Protection Package is provided with an additional charge, the primary purpose is for customers who wish to trigger a lifetime withdrawal feature provided under the EGMWB Rider as well as a focus on a death benefit for loved ones.
Key Features
Premium Types: Flexible for Life of the Product
Minimum Premium: Min Single Premium: 10,000
Maximum Premium: 1,000,000
Free Look Period: 10 Days
Rate Lock Period: 60 Days
Tax-Qualified: IRA, NonQual, SEP IRA, TSA 403b, IRA-Roth
Rates
Effective Date: 14/11/2025
Initial Guarantee Period: N/A
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: Min Single Premium: 10,000 - 1,000,000
Current
0 Year Guarantee Period Annual Yield:
3.75%
Interest rate start of year 1 through end of year 0:
3.75%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Cases over $1 million, we [F&G] reserve the right to review.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in AK AL CA CT DE GU ID IN MA MN MS MT NJ NV NY OH OK OR PA PR SC TX UT VI WA
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $20,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): Max issue age is 64 in FL
Premium Limits: Cases over $1 million, we [F&G] reserve the right to review.
State Restrictions: Max issue age is 64 in FL
