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Fidelity & Guaranty Life
Income and WealthBuilder 7
(RETIRED)
A Fixed Indexed Annuity with a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***
Ratings
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A.M. Best : A |
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Fitch: A- |
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Moody's: A3 |
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Standard & Poor's: A- |
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Rates
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Current Rates
xx/xx/xxxx |
Guaranteed
Minimum Values |
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Cap |
Cap |
| 1-Year Index Gain Option with Declare Rate
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Trigger: 2.75
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| 1-Year S&P 500 Annual Point-to-Point
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***
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| 1-Year S&P 500 Monthly Average
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***
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| 1-Year S&P 500 Monthly Point-to-Point
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***
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| 1-Year Fixed Account
(Rate guaranteed for 1
Year)
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*.** %
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*.** %
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State Specified Minimum Interest Rate: ****
Premium Bonus by Age
| Year: |
1 |
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Age 0 to 75
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****
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Age 76+
|
****
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The @annuityname@ is a flexibl --[ subscription required to view full text ]--
*** @***********@ ** * ******** ******* ******* ******* ***** *** * @*******@-**** ********** ****** ****** **** ** *** ******** *** ****** * ***** **** ******* ***** ** ** ** @************@ (****** ** ***) ******* ** * @*******@-**** ******* ********.
*** @***********@ ****** *** ******** ********** ******* ********** ******* ***** (****) **** ****** *** ***** ** ******* *** ****** ** ******** **** ** *** ***** ******** **** ************ ***** ** * @************@% *********** ****-** **** ** *** ******* ******* **** ** ****** **** ***** ******** ** *** ******’* ****** ******* *****.
Provisions
| Free Look Period: |
****
|
| (Free look period may vary by state) |
| Rate Lock Protection: |
****
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| Bail Out Provision Available: |
*** |
| *** *** ***: |
**** |
| Loan Provision Available: |
*** |
| *** *** ***: |
**** |
| Tax Sheltered: |
*** |
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| Market Value Adjustment: |
*** |
| MRD: |
*** |
| Front-End Fee: |
*** |
| Annual Maintenance Fee: |
*** |
| Return of Premium Available: |
*** |
| Death Benefit is: |
*** **** |
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Premiums
| |
Non-Qual |
Qualified |
| Min Single Premium: |
**** |
******* |
| Max Single Premium: |
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| Age < xx: |
**** |
******* |
| Age > xx: |
**** |
******* |
| Payroll Deduction: |
**** |
**** |
| Min Added Premium: |
**** |
**** |
| Flexible Premiums ******* : |
****
|
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| Min Single Premium Impaired: |
****** |
****** |
| Min Single Premium Period Certain: |
****** |
****** |
|
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Age Restrictions
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Min Age |
Non-Qual
| Qualified
|
| Owner: |
|
***** |
***** |
| Annuitant: |
***** |
***** |
***** |
| Impaired: |
|
***** |
***** |
| Annuitization Age: |
|
***** |
***** |
***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** ***
***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****
|
|
|
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Systematic Withdrawals
Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****
**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****
MVA Explanation
|
Not available in AK IL
|
A Market Value Adjustment (MVA) will increas --[ subscription required to view full text ]--
* ****** ***** ********** (***) **** ******** ** ******** **** ********* ***** **** *** **** * ********** ** ***** * ********* ****** ** *******. *** *** ** ***** ** * ******* **** ***** **** ******* ******* ** ****** ** *.*. ********** ******* *** ***** ** *** ******* ********** ****** *** *** **** ** *** **********. *********, ** ******** ***** **** ***** ***** *** ********* **** ******* *** *** **** ******** **** ********* *****. ** ******** ***** **** ******, *** *** **** ******** **** ********* *****. *** *** ***** ** *** *** *** ********* ******* **** *** ****** *** ********* ***** ** ** ****** ***** ** **** **** *** ******* ********** ********* *****. ** *** ****** ***** ********** ******* ** ** ******** ** *** ********* *****, *** ****** ** *** ******** **** *** ** ******* **** *** ****** ** *** ********* ********* ******. * *** **** *** ***** ** *** ******* ** * ***** *******.
Commissions
| Effective date of commission schedule: 10/15/2015 |
|
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
|
|
Income and WealthBuilder 7
|
Up to age 75 |
|
| Initial Premium: |
**** |
| Ages 76-80 |
|
| Initial Premium: |
**** |
| Ages 81-85 |
|
| Initial Premium: |
**** |
Related Information
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Additional Information
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