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Fidelity & Guaranty Life

Safe Income Plus

(RETIRED)

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

Ratings
	A.M. Best : A		Fitch: A-		Moody's: A3		Standard & Poor's: A-

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 VT WI WV WY	****
Age 0 to 80 in states: AK AL CA DE ID IN MA MN MS 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 ]--
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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 AL ID IL MN MO MS OR PA WA

Applies only to withdrawal --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 05/23/2022
Commissions are ***** *** * *** * *** * ** ***** ***.

Safe Income Plus

(All approved states)

Up to age 75

Initial Premium:

****

Ages 76-80

Initial Premium:

****

Ages 81-85

Option B

Safe Income Plus

All permitted ages

Initial Premium:

****

Trail:

Trail years ***+ is *****

BASIC COMMISSIONS - Basic Commissions on Authorized Contracts listed below shall be payable in accordance with this Compensation Schedule. Basic Commissions are expressed as percentages ofpremiums received and accepted by the Company subject to the other provisions herein contained based on the policy effective date. Basic Commissions on additional policies and riders hereafter offered by the Company shall be payable at rates to be furnished by the Company. Any policies in f --[ subscription required to view full text ]--
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