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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: A-		Moody's: A3		Standard & Poor's: A-

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
	Cap	Part Rate	Cap	Part Rate
1-Year Balanced Asset 5 Point to Point Participation	***	***	***	***
1-Year Gold Point-to-Point	***	***	***	***
1-Year GS Global Factor Point-to-Point Par	***	***	***	***
1-Year S&P 500 Annual Point-to-Point	***	***	***	***
1-Year S&P 500 Monthly Point-to-Point	***	***	***	***
2-Year Balanced Asset 5 Point to Point Participation and Spread	***	***	***	***
2-Year Balanced Asset 5 Point to Point Participation with Charge	***	***	***	***
2-Year Barclays Trailblazer Sectors 5 Index	***	***	***	***
2-Year BlackRock Market Advantage Point-to-Point with Spread and Par	***	***	***	***
2-Year GS Global Factor Point to Point Participation with Charge	***	***	***	***
2-Year GS Global Factor Point-to-Point Spread and Par	***	***	***	***
2-Year S&P 500 Point-to-Point	***	***	***	***
3-Year S&P 500 Point-to-Point	***	***	***	***
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: AK AL CA DE ID MA MN MS MT NJ NV OH OK OR PA PR SC TX UT WA	****
Age 76+ in states:	****
Age 0 to 75 in states: AR AZ CO DC GA HI IA IL IN KS KY LA MD ME MI MO NC ND NE NH NM RI SD TN VA VT WI WV WY	****
Age 76+ in states:	****
Age 0 to 64 in states:	****
Age 65 to 75 in states:	****
Age 76+ in states: FL	****

Policy Notes

The @annuityname@ is --[ 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 ***** ** *** ****** ****
*****************: **** ****** **** *****

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

MVA Explanation
Not available in AK AL ID IL MN MO MS MT OR PA PR WA

A Market Value Adjustment (MVA) is an adjustment made during the time the surrender --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 08/23/2022
Commissions are ***** *** * *** * *** * ** ***** ***.

Performance Pro with GMWB

Up to age 75

Initial Premium:

****

Ages 76-80

Initial Premium:

****

Option B

Performance Pro with GMWB

Up to age 80

Initial Premium:

****

Trail:

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

Ages 81-85

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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Fixed Indexed Annuity