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Fidelity & Guaranty Life

FG Index-Escalator 8

(RETIRED)

A Fixed Indexed Annuity with a 8-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 S&P 500 Monthly Point-to-Point	***	***
1-Year S&P 500 Annual Point-to-Point	***	***
1-Year S&P 500 Monthly Averaging	***	***
Fixed Account (Rate guaranteed for 1 Year)	.* %	.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
Year:	1	2	3	4	5	6	7	8
Bonus Rate:	****	****	****	****	****	****	****	****

Policy Notes

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

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

Commissions
Effective date of commission schedule: 10/31/2011
Commissions are ***** *** * *** * *** * ** ***** ***.

FG Index-Escalator 8

(All approved states except those listed below)

Up to age 79

Year 1

Year 2

Year 3

Initial Premium:

****

Renewal Premiums:

****

Ages 80+

Year 1

Year 2

Year 3

Initial Premium:

****

Renewal Premiums:

****

AK CT MN TX UT

Up to age 79

Year 1

Year 2

Year 3

Initial Premium:

****

Renewal Premiums:

****

Ages 80-85

Year 1

Year 2

Year 3

Initial Premium:

****

Renewal Premiums:

****

Trail Option (N/A in AK, CT, MN, TX, UT, WA, OR)

FG Index-Escalator 8

Up to age 79

Year 1

Year 2

Year 3

Initial Premium:

****

Renewal Premiums:

****

Ages 80-85

Year 1

Year 2

Year 3

Initial Premium:

****

Renewal Premiums:

****

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