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Fidelity & Guaranty Life


Safe Income Plus


A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
  A.M. Best :  A-   Fitch:  BBB   Moody's:  Baa2   Standard & Poor's:  BBB+  

Rates
  Current Rates
xx/xx/xxxx
Guaranteed
Minimum Values
   Cap Cap
1-Year Index Gain Option with Declared Rate Trigger: 1.75
 *** 
1-Year S&P 500 Annual Point-to-Point   ***    *** 
1-Year S&P 500 Monthly Average   ***    *** 
1-Year S&P 500 Monthly Point-to-Point   ***    *** 
1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****
Premium Bonus by Age/State
 Year: 1
Age 0 to 80 in states:
AR AZ CO DC GA HI IA IL KS KY LA MD ME MI MO MT NC ND NE NH NM RI SD TN VA WI WV WY
****
Age 0 to 80 in states:
AK CA DE MA MN NJ NV OH OK OR PA SC TX UT WA
****
Age 0 to 64 in states: ****
Age 65+ in states:
FL
****

Policy Notes

The @annuit --[ subscription required to view full text ]--
*** @***********@ ** * ******** ******* ******* ******* ***** *** * @*******@-**** ********** ****** ****** *** ****** * ***** **** ******* ***** ** ** ** @************@ ******* ** * @*******@-**** ******* ********.

Provisions
Free Look Period: ****
(Free look period may vary by state)
Rate Lock Protection: ****
Bail Out Provision Available: ***
*** *** ***: ****
Loan Provision Available: ***
*** *** ***: ****
Tax Sheltered: ***
Market Value Adjustment: ***
MRD: ***
Front-End Fee: ***
Annual Maintenance Fee: ***
Return of Premium Available: ***
Death Benefit is: *** ****
Premiums
  Non-Qual Qualified
Min Single Premium: **** *******
Max Single Premium:
Age < xx: **** *******
Age > xx: **** *******
Payroll Deduction: **** ****
Min Added Premium: **** ****
Flexible Premiums ******* : ****  
Min Single Premium Impaired: ****** ******
Min Single Premium Period Certain: ****** ******
 
Age Restrictions
  Min Age Non-Qual Qualified
Owner:   ***** *****
Annuitant: ***** ***** *****
Impaired:   ***** *****
Annuitization Age:   ***** *****

***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


Systematic Withdrawals


Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

FL, HI and IL allow --[ subscription required to view full text ]--
**, ** *** ** ***** *** *** **** ***** ****. *** ******** **** ***** ** *** ********.
** ******** **** *** ******** ****** ** ******** *** ** ** ***** ** ***** *** ***** *****.

MVA Explanation
Not available in AK IL MN MO OR PA WA

Applies only to withdrawal --[ subscription required to view full text ]--
******* **** ** *********** ** ************** ****** *** ********* ****** ******. *** *** ** ***** ** * ******* **** ***** **** ******* ******* ** ****** ** *.*. ******** ***** ******* *** **** ** ****** ***** *** *** **** ** *** ********** ** *************. *********, ** ******** ***** **** ******, *** *** **** ******** *** ********* *****. *** *** *** *** **** ***** *** ********* ***** ** ******** (** ******** ***** **** ***** ***** *** ****** *** *********), ****** ** ** ********* *** ******* ** **** ***** ******* ** *****.

Commissions
Effective date of commission schedule: 08/01/2018
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
Safe Income Plus
(All approved states except those listed below)
Up to age 75  
Initial Premium: ****
Ages 76-80  
Initial Premium: ****

Related Information

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