Selecting the best annuity products for your clients is easier than ever with the new and improved Annuity Highway.
The following quiz will help you match your clients with the best annuity products for their needs. Ready to merge onto the Annuity Highway?
With 98 underlying investment options, this is for clients who want personalized, tax-deferred growth strategies.
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With 98 underlying investment options, this is for clients who want personalized, tax-deferred growth strategies.
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For clients who want to accumulate their retirement assets while having protection from down market losses.
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For clients whose primary focus is replacing regular income during retirement.
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For clients who want to accumulate their retirement assets while having protection from down market losses.
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With the optional Guaranteed Income Builder Benefit, your client’s Withdrawal Base grows by a guaranteed 8% roll-up every year (even if it’s more than 10 years) before they start taking lifetime Income.3,4,5
With the optional Income Multiplier Benefit, your clients Withdrawal Base grows before income begins and has the potential to keep growing even after payments start.3,5,6
Our competitive LWP’s increase by 0.10% each year your client waits to start income.7
With the Guaranteed Income Builder Benefit option, your clients will get a consistent 8% of their initial premium (adjusted for withdrawals) added to their Withdrawal Base every year until income activation.3,4,6
Before income activation, the Income Multiplier Benefit adds 2x any earned interest credits to the Withdrawal Base.5 And this growth potential continues year after year until your clients are ready to activate their income (even if that is 10, 15, or more years). If no interest credits, Withdrawal Base stays level.
After income starts, 1x any earned interest credits are added to the Withdrawal Base to increase your clients’ income (if no interest credits, Withdrawal Base stays level).1,3,5 Interest credits are based on the interest crediting strategy selected. There is the potential for 0% crediting during any strategy term.
The optional Guaranteed Income Builder benefit provides an 8% guaranteed annual roll-up for predictable Withdrawal Base growth that continues beyond 10 years if income isn’t started.
The optional Income Multiplier benefit adds 2x contract value interest credits before income starts and 1x after for Withdrawal Base growth potential during retirement.
No down-market losses means less to worry about.
For clients who want to accumulate their retirement assets while having protection from down market losses.
View Product1 Income is determined as a percentage of the Withdrawal Base, based on the age at income activation. The income benefit is included on date of issue for an annual charge of 1.00% of the Withdrawal Base at the end of each contract year. Initially, the Withdrawal Base equals the premium and grows according to the benefit option selected. The Withdrawal Base is used solely to determine the withdrawal benefit amount and is not available for cash surrender or as a death benefit.
2 Early withdrawal charges and Market Value Adjustments (MVA) may also apply. Withdrawals may reduce any optional guaranteed amounts in an amount more than the amount of the withdrawal.
3 Credits are made to the Withdrawal Base which is not available for cash surrender or as a death benefit.
4 Percentage shown is of the premium paid, reduced for any withdrawals in proportion to the reduction in contract value and applies to the Withdrawal Base only. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs.
5 Withdrawal Base increases are a multiple of the dollar amount of interest credits to your account value in a given year. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. After activation, a bonus will not be credited in years where withdrawals exceed the Lifetime Annual Payment (LAP). No bonus will be credited after the Income Phase Bonus Period. The Income Phase Bonus Period is the period during which LAP withdrawals continue to be deducted from the contract value.
6 For contracts issued prior to age 50, the Deferral Bonus and Withdrawal Base increases will not apply until the first contract anniversary following attainment of age 50 and the benefit fees will not be assessed until the first contract anniversary following attainment of age 50. Upon the contract anniversary following the attainment of age 50, the first Deferral Bonus will be applied and rider fees will be assessed. The Withdrawal Base and Deferral Bonus Base will initialize at the contract value on the contract anniversary prior to 50th birthday. For Joint owned contracts, the youngest owner’s age is used.
7 Joint-life income is based on the younger age on the income start date.
This material is intended to provide educational information regarding the features and mechanics of the product and is intended for financial professional use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company.
SecureFore fixed annuities are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. Available in most states with contract FA1101SPDA-01 (certificate series GA1101SPDA-01, as applicable).
Product features and optional benefits may not be available in all states or firms. Read the contract for complete details.
Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. These subsidiaries are not authorized to do business in New York.
Not a bank deposit. Not FDIC/NCUA insured. Not insured by any federal government agency. No bank guarantee. May lose value. Not a condition of any banking activity.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
3226926.1 (09-20)
For educational purposes only. Global Atlantic does not offer a Registered Index-Linked Annuity. Not a solicitation.
With pre-set loss protection, RILA annuities can help clients manage volatility.
With cap amounts higher than those of typical indexed annuities – RILAs offer greater opportunity for growth.
Although RILA’s do not generally apply asset-based fees, RILA’s incorporate caps and volatility managed index crediting options that could limit upside growth potential.
With 98 underlying investment options, this is for clients who want personalized, tax-deferred growth strategies.
View ProductFor clients who want to accumulate their retirement assets while having protection from down market losses.
View ProductFor clients whose primary focus is replacing regular income during retirement.
View ProductThis material is intended to provide educational information regarding the features and mechanics of the product and is intended for financial professional use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product’s benefit rules, as applicable.
ForeCertain Income Annuity and ForeCertain Advisory Income Annuity are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana and are available in most states with contract FL-FPA-13, as applicable. Products and features are subject to state variations and availability. Read the contract for complete details.
Product features and optional benefits may not be available in all states or firms.
Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. These subsidiaries are not authorized to do business in New York.
Not a bank deposit. Not FDIC/NCUA insured. Not insured by any federal government agency. No bank guarantee. May lose value. Not a condition of any banking activity.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
3226926.1 (09-20)
Personalized growth potential with competitive rates for fixed and index-linked crediting strategies.
No down-market losses means less to worry about.3
An optional death benefit that provides guaranteed 7% growth for up to 15 years to help maximize legacy planning.1
ForeAccumulation II offers interest crediting strategies that lock in any positive gains at the end of the strategy term. The contract value is protected from market losses with 0% crediting when the index return is negative.
ForeAccumulation II offers an optional Enhanced Death Benefit (EDB) that’s equal to the original premium and grows by a guaranteed 7% every year for up to 15 years (assuming no withdrawals). After your client passes, the beneficiary receives either the contract value or EDB – whichever is greater. (Additional fee applies.)1,3
With ForeAccumulation II, you can achieve the growth potential you desire – without being exposed to market losses.
The optional Enhanced Death Benefit (EDB) provides guaranteed annual increases for up to 15 years based on 7% simple interest based off of premiums less withdrawals, which may lessen the effect withdrawals will have on the legacy.1,2
The optional Enhanced Death Benefit (EDB) guarantees that the death benefit will be more than twice the initial premium after 15 years, assuming no withdrawals.1,2
The optional FIA Accumulation rider, coming soon at an additional cost, increases your clients’ growth potential during the withdrawal charge period. When they purchase this rider, the participation and cap rates increase, so their annuity benefits more from positive market performance.
For clients whose primary focus is replacing regular income during retirement.
View Product1 Available for an additional annual cost of 0.50% based off the Enhanced Death Benefit amount. Fee is deducted from the contract value at the end of the year. The benefit is comprised of a guaranteed annual roll-up of 7% simple interest for 15 years based on premiums less withdrawals. All withdrawals will reduce the benefit.
2 Assuming no withdrawals.
3 The optional Enhanced Death Benefit is available at an annual cost of 0.50%, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit is comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. A minimum issue age of 0 and maximum age of 75 applies. If death occurs prior to the 15th contract anniversary, the EDB will stop growing.
This material is intended to provide educational information regarding the features and mechanics of the product and is intended for financial professional use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product’s benefit rules, as applicable.
ForeCertain Income Annuity and ForeCertain Advisory Income Annuity are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana and are available in most states with contract FL-FPA-13, as applicable. Products and features are subject to state variations and availability. Read the contract for complete details.
Product features and optional benefits may not be available in all states or firms.
Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. These subsidiaries are not authorized to do business in New York.
Not a bank deposit. Not FDIC/NCUA insured. Not insured by any federal government agency. No bank guarantee. May lose value. Not a condition of any banking activity.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
3226926.1 (09-20)
Building a custom retirement plan is easy with SecureFore.
We’re a top 5 provider in fixed annuity sales.
We offer both built-in and optional benefits to help protect your clients’ money and their beneficiaries.
With SecureFore, you clients have multiple ways to access their money when they need it.
Check out SecureFore’s latest rates.
For clients whose primary focus is replacing regular income during retirement.
View ProductThis material is intended to provide educational information regarding the features and mechanics of the product and is intended for financial professional use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company.
SecureFore fixed annuities are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. Available in most states with contract FA1101SPDA-01 (certificate series GA1101SPDA-01, as applicable).
Product features and optional benefits may not be available in all states or firms. Read the contract for complete details.
Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. These subsidiaries are not authorized to do business in New York.
Not a bank deposit. Not FDIC/NCUA insured. Not insured by any federal government agency. No bank guarantee. May lose value. Not a condition of any banking activity.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
3226926.1 (09-20)
Simply convert savings into a guaranteed income stream.
Life changes. ForeCertain can be customized to help your clients plan for their changing needs.
Immediate or deferred income, single or joint income – plus an Annual Increase Option to help offset inflation.
Building a custom retirement plan is easy with ForeCertain.
Your clients decide when they want income to start, how long they want it to last, and if they want the income alone or jointly with another, typically a spouse.
ForeCertain offers nine different income stream options for your clients to choose from, adding even more flexibility to their contract.
ForeCertain offers additional features and benefits that help clients address their personal retirement needs.
ForeCertain helps clients enter retirement with confidence.
For clients who want to accumulate their retirement assets while having protection from down market losses.
View ProductFor clients whose primary focus is replacing regular income during retirement.
View Product1 Availability of features varies by the income option, plan type and length of deferral elected. Restrictions and state variations may apply.
2 Varies by income option.
3 This option is not available if the Annuity Commencement Date is after 15 months from the Issue Date (deferred).
This material is intended to provide educational information regarding the features and mechanics of the product and is intended for financial professional use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product’s benefit rules, as applicable.
ForeCertain Income Annuity and ForeCertain Advisory Income Annuity are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana and are available in most states with contract FL-FPA-13, as applicable. Products and features are subject to state variations and availability. Read the contract for complete details.
Product features and optional benefits may not be available in all states or firms.
Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. These subsidiaries are not authorized to do business in New York.
Not a bank deposit. Not FDIC/NCUA insured. Not insured by any federal government agency. No bank guarantee. May lose value. Not a condition of any banking activity.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
3226926.1 (09-20)
ForeCare provides 2x or 3x the contract value for qualified LTC expenses (based on approval type). One ForeCare contract can provide coverage for both spouses with the joint LTC option.1
Underwriting process takes about 30 minutes, with NO medical exam. 93% of applicants are approved.
Your clients have more control to choose from the options their doctor prescribes. And any remaining contract value passes to your beneficiaries as a death benefit.
The odds of a 65-year-old eventually needing long-term care is 70%.2 And LTC can be expensive: a home health aide alone can cost $31,680 a year.3 ForeCare can double or triple your clients’ money for qualified LTC expenses on contract day one.1 For example, a one-time premium payment of $150,000 can mean $300,000 or $450,000 for qualifying LTC expenses.
Wondering about common LTC needs and costs? Most often, people use LTC for help with Activities of Daily Living (ADLs) that they aren’t able to do themselves.
A healthcare setback can not only effect your client’s day-to-day life – it could have a detrimental impact on their retirement nest egg. Take a look at these eye-opening costs.2
For clients whose primary focus is replacing regular income during retirement.
View Product1 This is called the ForeCare Multiplier (for non-qualified funds only): it provides two or three times (depending on underwriting eligibility) the amount of contract value in long-term care coverage to spend on qualified long-term care expenses. Benefits are subject to a maximum monthly benefit. The additional coverage in excess of the Contract Value is only available to use for a qualified long-term care benefit and will not become part of the contract value or the death benefit. Withdrawals, other than for qualified long-term care expenses, will adversely affect the amount of coverage for long-term care benefits in the future. Note: California policies apply the multiplier to the initial premium net of any optional benefit charges, and not the current contract value.
2 “Cost of Care,” https://longtermcare.acl.gov/costs-how-to-pay/costs-of-care.html. Costs are based on 12, 30-day monthly periods. Based on average U.S. costs from 2020.
3 https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html
This material is intended to provide educational information regarding the features and mechanics of the product and is intended for financial professional use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.
Guarantees are based on the claims‐paying ability of Forethought Life Insurance Company and assume compliance with the product’s benefit rules, as applicable.
ForeCare fixed annuity is issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. Available in most states with contract FA1101SPDA‐01 (certificate series GA1101SPDA‐01, as applicable) with Rider for Long‐Term Care Benefits Form LTC2000‐01, Optional Inflation Protection Benefit Rider Form LTC2001‐01 and Optional Nonforfeiture Benefit Rider Form LTC2002‐01 (certificate series LTCG2000‐01, LTCG2001‐01 and LTCG2002‐01, as applicable). This is a solicitation of Long‐Term Care insurance.
Products and features and optional benefits are subject to state and firm variations and availability. Read the contract for complete details.
Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. These subsidiaries are not authorized to do business in New York.
Not a bank deposit. Not FDIC/NCUA insured. Not insured by any federal government agency. No bank guarantee. May lose value. Not a condition of any banking activity.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
3226926.1 (09-20)
Your clients have different preferences on the road to retirement, and it's up to you to help them reach their goals. Navigate our diverse product portfolio with ease using the Annuity Highway.
The Annuity Highway contains multiple lanes, each one moving at a different speed and representing a unique path to retirement. To use the Highway, answer a few questions in the quiz below. Then, we'll place your client into the best lane for their preferences, and share relevant products to their needs.
Identify the right retirement lane for your clients.
New to the Annuity Highway? Watch our quick explainer video to learn how it works.
This site is intended for financial professionals only. Please verify that you are a producer, agent, registered representative or financial advisor.
Yes, I am a financial professional
If you are not a financial professional, please visit Global Atlantic's public website.
Your clients have different preferences on the road to retirement, and it's up to you to help them reach their goals. Navigate our diverse product portfolio with ease using the Annuity Highway.
The Annuity Highway contains multiple lanes, each one moving at a different speed and representing a unique path to retirement. To use the Highway, answer a few questions in the quiz below. Then, we'll place your client into the best lane for their preferences, and share relevant products to their needs.
Answer the questions to find out which Global Atlantic products could work best for your clients' preferences.
If you're familiar with the Annuity Highway, you can skip the quiz and directly select a lane.
Important Information
This chart assumes no fees, charges, or withdrawals are taken from the FIA during the illustrated period. Index past performance is not indicative of future results. The hypothetical performance of the ForeAccumulation II fixed index annuity, as illustrated, assumes a $200,000 premium, a cap of 6.00% (using the annual point-to-point with cap interest crediting method) and assumes no withdrawals or surrender charges during period shown, nor the selection of the Enhanced Death Benefit option. This hypothetical example is for illustrative purposes only and not intended to be the performance of any specific product. Clients are not invested directly in any Index.