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    Fidelity & Guaranty Life


    FG Guarantee-Platinum 3


    A MYGA with a 3-year fixed rate and a 3-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

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

    Rates
    The interest rate is guaranteed for 3 years
    Surrender charges last 3 years
    		 Last Rate Change: xx/xx/xxxx
    Next Rate Change: xx/xx/xxxx
      Previous Rates
    xx/xx/xxxx    		 Current Rates
    xx/xx/xxxx
      RateBonus Yield to
    Surrender    		 RateBonus Yield to
    Surrender
    Band 20,000+   ****   *****   *****   ****   *****   ***** 

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    The @companyName@'s @annuityname@ is a Single Pre --[ 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 ***** ** *** ****** ****
    *****************: **** ****** **** *****

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

    MVA Explanation
    Not available in CA NJ

    A Market Value Adjustment (MVA) is an adjustment made during the time the s --[ subscription required to view full text ]--
    * ****** ***** ********** (***) ** ** ********** **** ****** *** **** *** ********* ****** ******** ** ** ******. *** *** ** ******* ** *** ******* ** *** ****** ******* ***** ********* ** ******* ** ** ******* ****** **** ******* *** ******* **** ********** ******. *** *** ** ** ******** ** *** ********** ********* ****** ******. *** *** *** ******** ** ******** *** ****** ** *** ********** ** *** ********* ***** ********* ** *** ****** ** ******** ***** ***** *** ********* **** *******. *********, ** ******** ***** **** ***** ***** *** ********* **** *******, *** *** **** ******** **** ********* *****; *** ** ******** ***** **** ******, *** *** **** ******** **** ********* *****. *** *** ***** ** *** *** *** ********* ******* **** *** ****** *** ********* ***** ** ** ****** ***** ** **** **** *** ******* ********** ********* *****. * ******** *** **** ******** *** ********* *****, *** * ******** *** **** ******** *** ********* *****.

    *** *** ** ***** ** * ******* **** ***** **** ******* ******* ** ****** ** *** *.*. ******** ******** ******** ****** ******* *** ********* ** *** *** ****** *** *** **** ** *** **********. *** ****** ** *** ******* ***** ********* ** ******* ** ** ******* ****** **** ** ******* ** *** *** ** ********** ** * ****** ***** ********** ******.

    ** **: * ******** *** **** *** ****** *** ********* ********* ******; *** ******* ******** ** *** ********* ******* ********* ***** **** ** ** ****** ***** ** *** ********* ********* ******.

    Commissions
    Effective date of commission schedule: 08/23/2022
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    FG Guarantee-Platinum 3
    		Up to age 79  
    Initial Premium: ****
    Ages 80-90  
    Initial Premium: ****

    BASIC COMMISSIONS - Basic Commissions may be paid only for the sale of insurance products and policies which the Company may lawfully issue and which are described in this Compensation Schedule (which may be amended from time to time and is available via SalesLink), which products and policies are the “Authorized Contracts.” Basic commissions are subject, however, to the restrictions placed upon you and Producers appointed to you by the laws and regulations of the jurisdictions where the Agency is licensed, the Company’s policies an --[ subscription required to view full text ]--
    ***** *********** - ***** *********** *** ** **** **** *** *** **** ** ********* ******** *** ******** ***** *** ******* *** ******** ***** *** ***** *** ********* ** **** ************ ******** (***** *** ** ******* **** **** ** **** *** ** ********* *** *********), ***** ******** *** ******** *** *** “********** *********.” ***** *********** *** *******, *******, ** *** ************ ****** **** *** *** ********* ********* ** *** ** *** **** *** *********** ** *** ************* ***** *** ****** ** ********, *** *******’* ******** *** ********** ** **** ********* ***** *** ** **** *** ** ******* **** **** ** ****, ********* *** *** ******* ** *** ************ ***** *** *** ***** *** ********** ** **** ************ ********. *** ******* *** *** ***** ** ******* *** *********** *** *** ******** ** ****** ** ***** ******* ** *** **** **********, *** *** ******, *** ** ****** *** ***** ********* ** *** *********.

    ***** *********** *** ********** ** *********** ** ******** ******** *** ******** ** *** ******* ******* ** *** ***** ********** ****** *********. ***** *********** ** ********** ******** *** ****** ********* ******* ** *** ******* ***** ** ******* ** ***** ** ** ********* ** *** *******, ***** ***** *** ******* ** ****** ** *** ****. *** ******** ** ***** ***** ** ******* ** *** ********** *** ********** ********** ********** *** ***** ** *** ************ ******** ********** ** *** **** **** ******** **** ******. *********** ***** *** ** **** ** *** ******** ****** ** **** ** *** *******. ********** ************ **** ** ***** ** ****** *** ** *********/*****.

    *********** *** ***** ******** ******* ******** **** ***** ***** **** ****** ** ****** ** $*,***,***.** – *********** *****, ***** ******* *** *****-**** ********** ********* (****) ** ***** *** ***** ***** **** ******* ******* $*,***,***.** *** *** ****** (***) ****** ** *** **** ****** ** *** **** **** *** ***** *** ***** ***** **** ******* ** ********* ******* $*,***,***.** *&* ******** *** ***** ** ****** ***/** ****** * ******** ************ ******/****. **** ********** ********* **** ** **** *********** ** *** ***** ****** ** *******, *** *** ********* **** ** ******* ** *** ****** ****** ** *******. ********** ******** *** ****** ** * ********** ** ** ****** *** ***** ******* ** ****** $*,***,***.**.

    *********** ** ************* ** ******** ********* - ** *********** ***** ** **** ** **************, ********* *********** ************* *** ******** **** ********* ***** ***** */*/****.

    ********** *** ******** ************ – *** ******** ****** ** *** ******* ** * ****** ** ******** *********** ** ******** ******** **** ** *********** ** * ******* **** *** ** *** *******. *** ********** *********** ** *** ****** *** ******** ** ******* **** ** ******* ** * ***********. **** ****** **** ** ************* *** ************ ******** ** *** ******* ** ******** *** ***** ****** ******** **** ** ******* ** ** **** ******** **** *********** ******** *** ************ **** ** **** ** * **** *** ** *** *******. ****** ****** *** **** *** ** **** ***** **** ** ******* ****** ******* *** **** *** ******* **********.

    ***** ************ – ***** ************ ** ******* **** **** ******** ** ******** *** **** *** ** **** **** ******** ** ************ ** ********. ***** ************ **** ** ********* ***** ** *** ******* ********* *** **** *** *** **** ** *** ****** ****** ********* *********. *** ***** ************ **** ** ***** ** *** ******* ***** *** **** ** **** ********* ** *** *** ** *** ******* ********* ***** *** ***** ****** ****. ** ***** ************ **** ** **** *** *** ******** *** ***** *********** *** ******* ****.

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

    *. ********** *********** ********** ** *** ********. ***** **** *********** **** ** ******* **** ***: *** ****** ***** ** ********** "*** *****"; *** ****** ***** ** *** ****** ** *** *******, ** ** ******* ******, ** *********; *** ********* ** ***** *** ******** ** ***** ***** ** ******* ** ********** ***** *********** *** /** ******* ******** *** **********; *** ********* ** ***** *** ******** ** ***** ***** ** ********** ********* **** *** *******.

    *. ********** *********** ** *** ***** *** ****** **** ** *** ********. ** *** ***** ******** ****, ***% ** *** ********** **** ** ******* **** **** *****, **** *********, ** ** *** ********** ****** ********* *** ********* ******-**** ******. ** *** ****** ******** ****, **% ** *** *********** **** ** ******* **** **** **** ********* ** ** *** ********** ****** ********* *** ********* ******-**** ******. ** *********** **** ** ******* ** ********** **** ***** ***** *** ***** **** ** *** ********.

    *. ********** *********** **** ***** *************. ** *** *************, ****** *********** ************* ** ************* ***** * ******** ********** ******, ** *** ******** ******** ** ****** ****** ** *** ********** ********** ******* *** ***** ** * *****, ***% ** *** ********** **** ** ******* ** **********. ** *** ************* ****** ***** *** ***** ********** ********** ****** *** ***** ** * *****, ***** **** ** ** ********** **********. **** ************ ******** ** ********* ** ** *** ***** ** ******** **, **** ** *** **** *** ********** ******** *** ******** ** *** ******* *** **** ** *** *****(*) ** ***** *** ** ********.


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