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Product Details
Flex Accumulator
Company social profile:
Product Name
Flex Accumulator
Annuity Type
FIA
Issuing Insurance Company and Ratings
Fidelity & Guaranty Life Insurance Company
Ratings
Product Information
The Flex Accumulator is a Flexible Premium Fixed Indexed Deferred Annuity with a 10-year surrender charge period and a market value adjustment provision.
Key Features
Premium Types: Flexible for Life of the Product
Minimum 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, Inherited IRA
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: 10,000 - 1,000,000
Current
0 Year Guarantee Period Annual Yield:
3.5%
Interest rate start of year 1 through end of year 0:
3.5%
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 GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Premium
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85
Premium Limits: Cases over $1 million, we [F&G] reserve the right to review.
State Restrictions: Not available in AK AL CT ID IL MN MO MS MT OR PA WA
