Fixed Indexed Annuity
FG AccumulatorPlus 10
Fidelity and Guaranty · AM Best A
S&P 500 annual cap
10%
CANNEX via AdvisorWorld · as of July 16, 2026
DB-backed product comparison
FG AccumulatorPlus 10 vs ForeAccumulation II
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
View product page
VS
Fixed Indexed Annuity
ForeAccumulation II
Global Atlantic - Forethought Life Insurance Company · AM Best A
3.5/5
S&P 500 annual cap
10%
CANNEX via AdvisorWorld · as of July 16, 2026
Auto-verdict
FG AccumulatorPlus 10 leads on participation rate, performance trigger, minimum premium; ForeAccumulation II leads on fixed account rate; top annual cap and carrier strength are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On participation rate, FG AccumulatorPlus 10 has the higher figure (275% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 225% participation · PIMCO Balanced Index · annual · 1.25% strategy fee); ForeAccumulation II is lower.
- On performance trigger, FG AccumulatorPlus 10 has the higher figure (8.5% trigger · S&P 500 · annual · 1.25% strategy fee vs 7.25% trigger · S&P 500 · annual); ForeAccumulation II is lower.
- On minimum premium, FG AccumulatorPlus 10 has the lower figure ($10,000 minimum premium vs $25,000 minimum premium); ForeAccumulation II is higher.
- On fixed account rate, ForeAccumulation II has the higher figure (4.25% fixed account vs 3.9% fixed account); FG AccumulatorPlus 10 is lower.
- On top annual cap, both show 10% cap · S&P 500 · 1-yr point-to-point.
- On carrier strength, both show A AM Best.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | FG AccumulatorPlus 10 | ForeAccumulation II |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 10% cap · S&P 500 · 1-yr point-to-pointTie CANNEX via AdvisorWorld · as of July 16, 2026 | 10% cap · S&P 500 · 1-yr point-to-pointTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 275% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · as of July 16, 2026 | 225% participation · PIMCO Balanced Index · annual · 1.25% strategy fee CANNEX via AdvisorWorld · as of July 16, 2026 |
| Performance triggerCurrent annual trigger strategy from the live FIA feed. | 8.5% trigger · S&P 500 · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · as of July 16, 2026 | 7.25% trigger · S&P 500 · annual CANNEX via AdvisorWorld · as of July 16, 2026 |
| Fixed account rateCurrent fixed account strategy when available in the live feed. | 3.9% fixed account CANNEX via AdvisorWorld · as of July 16, 2026 | 4.25% fixed accountLeading CANNEX via AdvisorWorld · as of July 16, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A AM BestTie CANNEX via AdvisorWorld · as of July 16, 2026 | A AM BestTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Free withdrawalCurrent annual free-withdrawal percentage for the product. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of July 16, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 10 years surrender periodTie CANNEX via AdvisorWorld · as of July 16, 2026 | 10 years surrender periodTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Annual feeHighest listed annual rider or strategy fee; lower is highlighted. | 1.25% max annual rider/strategy feeTie CANNEX via AdvisorWorld · as of July 16, 2026 | 1.25% max annual rider/strategy feeTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider listedTie CANNEX via AdvisorWorld · as of July 16, 2026 | No income rider listedTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $10,000 minimum premiumLeading CANNEX via AdvisorWorld · as of July 16, 2026 | $25,000 minimum premium CANNEX via AdvisorWorld · as of July 16, 2026 |
Scenario tool
Which one credits more in one index year?
Head-to-head crediting
Applies each product's live annual strategy rate to one hypothetical index year.
FG AccumulatorPlus 10
S&P 500 annual cap · 10% annual cap
ForeAccumulation II
S&P 500 annual cap · 10% annual cap
At a +15% index year, the credited-interest illustration is:
FG AccumulatorPlus 1010%
ForeAccumulation II10%
Both credit the same here (10%).
Assumptions: one hypothetical index year, one allocation to the displayed annual strategy for each product, and a 0% floor. Caps, trigger rates, participation rates, renewal rates, allocations, and state availability can change. This is educational only and is not a carrier-approved illustration.
Illustrative tool inputs use live product figures from CANNEX via AdvisorWorld · as of July 16, 2026.
Review-backed context
What the reviews say about each product
Linked review
ForeAccumulation II
3.5/5
CFA take
“In my view, the Global Atlantic ForeAccumulation II is one of the stronger accumulation-focused FIAs currently available for investors who prioritize growth potential while still maintaining downside protection. The product stands out because of its relatively competitive caps, participation rates, and performance-triggered rates, particularly on the S&P 500 and certain diversified indices. Unlike many income-focused FIAs that sacrifice accumulation potential to support richer riders, ForeAccumulation II keeps the structure relatively clean and growth-oriented, which makes the product easier to evaluate and potentially more efficient for long-term accumulation. Another positive is the broad selection of index strategies combined with relatively competitive fixed-rate options, giving investors flexibility across different market environments. The optional Enhanced Death Benefit rider is also relatively straightforward and may appeal to investors focused on legacy planning without adding excessive complexity. That said, many of the proprietary indices still employ volatility-control mechanisms, which can naturally limit upside participation during strong bull markets. Overall, I would view ForeAccumulation II as a solid FIA option for investors seeking a balance of principal protection, accumulation potential, and legacy flexibility without heavily relying on complex income rider structures.”
“In-depth analysis of the Global Atlantic ForeAccumulation II Fixed Indexed Annuity, including features, rates, and more.”
Attributed to Nikhil Bhauwala.
Read the full reviewCommon questions
Decision FAQs from the same numbers
Is FG AccumulatorPlus 10 or ForeAccumulation II better for growth?
On top annual cap, both show 10% cap · S&P 500 · 1-yr point-to-point. On participation rate, FG AccumulatorPlus 10 has the higher figure (275% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 225% participation · PIMCO Balanced Index · annual · 1.25% strategy fee); ForeAccumulation II is lower. On performance trigger, FG AccumulatorPlus 10 has the higher figure (8.5% trigger · S&P 500 · annual · 1.25% strategy fee vs 7.25% trigger · S&P 500 · annual); ForeAccumulation II is lower.
Is FG AccumulatorPlus 10 or ForeAccumulation II better for income?
On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is FG AccumulatorPlus 10 or ForeAccumulation II better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, both show 10 years surrender period. On annual fee, both show 1.25% max annual rider/strategy fee.
How to read this comparison
Compare the product job, not just one number.
Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Rate context
Caps, participation rates, triggers, and fixed buckets show how each FIA creates accumulation potential.
Control
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Live product figures are sourced from CANNEX via AdvisorWorld and are labeled with source and as-of timing. Product-specific values are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.
Rates vary by state, premium band, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the comparison as a starting point.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Want a personalized version?
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
Optional report request