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Fidelity & Guaranty Life


Performance Pro with GMWB


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 Spread Part Rate Cap Spread Part Rate
1-Year Gold Point-to-Point   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Annual Point-to-Point   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Point-to-Point   ***    ***   ***    ***   ***   *** 
2-Year Barclays Trailblazer Sectors 5 Index   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Point-to-Point   ***    ***   ***    ***   ***   *** 
3-Year S&P 500 Point-to-Point   ***    ***   ***    ***   ***   *** 
5-Year Dow Jones US Estate Daily Risk Control 10% USD Total Return   ***    ***   ***    ***   ***   *** 
1-Year Fixed   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****
Premium Bonus by Age/State
 Year: 1
Age 0 to 75 in states:
AR AZ CO DC GA HI IA ID IL KS KY MD ME MI MO MT NC ND NE NH NM RI SD TN VA WI WV WY
****
Age 76+ in states:
AR AZ CA CO DC GA HI IA ID IL KS KY MD ME MI MO MT NC ND NE NH NJ NM RI SD TN VA WI WV WY
****
AK CA DE LA MA MN NJ NV OH OK OR PA SC TX UT WA ****
Age 76+ in states:
AK CA DE LA MA MN NJ NV OH OK OR PA SC TX UT WA
****
Age 65 to 75 in states: ****
FL ****
Age 76+ in states: ****

Policy Notes

The @annuityname@ is a Flexible Premium --[ 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 I --[ subscription required to view full text ]--
**, ** *** ** ***** *** *** **** ***** ****. *** ******** **** ***** ** *** ********. *****-**** ***** ******** ********* ******* *** *** *********. ** ******** **** *** ******** ****** ** ******** *** ** ** ***** ** ***** *** ***** *****.

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

A Market Value Adjustment (MVA) will increas --[ subscription required to view full text ]--
* ****** ***** ********** (***) **** ******** ** ******** **** ********* ***** **** *** **** * ********** ** ***** * ********* ****** ** *******. *** *** ** ***** ** * ******* **** ***** **** ******* ******* ** ****** ** *.*. ********** ******* *** ***** ** *** ******* ********** ****** *** *** **** ** *** **********. *********, ** ******** ***** **** ***** ***** *** ********* **** ******* *** *** **** ******** **** ********* *****. ** ******** ***** **** ******, *** *** **** ******** **** ********* *****. *** *** ***** ** *** *** *** ********* ******* **** *** ****** *** ********* ***** ** ** ****** ***** ** **** **** *** ******* ********** ********* *****. ** *** ****** ***** ********** ******* ** ** ******** ** *** ********* *****, *** ****** ** *** ******** **** *** ** ******* **** *** ****** ** *** ********* ********* ******. * *** **** *** ***** ** *** ******* ** * ***** *******.

Commissions
Effective date of commission schedule: 02/19/2019
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
Performance Pro with GMWB
Up to age 75  
Initial Premium: ****
Ages 76-80  
Initial Premium: ****

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