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Product Details
Prosperity Elite 14 Enhancement
Company social profile:
Product Name
Prosperity Elite 14 Enhancement
Annuity Type
FIA
Issuing Insurance Company and Ratings
Fidelity & Guaranty Life Insurance Company
Ratings
Product Information
The Prosperity Elite 14 Enhancement is a flexible premium deferred annuity with a 14-year surrender charge period featuring: • Multiple index options and one fixed interest rate option. • AN MVA provision. • A Premium Bonus on 1st year premiums, vested over 13 years. • Enhancement Package – Guaranteed Minimum Death Benefit Rider (with fee). The Prosperity Elite 14 Enhancement is designed to be a long-term retirement savings tool with a variety of options to help you achieve the standard of living you want during your retirement.
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
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:
3.75%
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 : $2,000
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: 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
