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Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Accelerator Plus 10

F&G Annuities and Life

10.25%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

6.1% lifetime payout

A ten-year-surrender F&G fixed indexed annuity with a built-in premium bonus and an optional Enhanced GMWB rider for guaranteed lifetime income, built for buyers who want bonus-amplified income-base growth over a full ten-year deferral.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers planning to defer for the full ten-year term who want the optional Enhanced GMWB rider's guaranteed lifetime payout, value the up-front premium bonus that accelerates the income-base value, and accept a long surrender ladder in exchange for the bonus.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

2.5% cap rate

S&P 500

S&P 500 Index

7.25% cap rate

S&P 500

S&P 500 Index

10.25% cap rate

S&P 500

S&P 500 Index

3.25% cap rate

S&P 500

S&P 500 Index

100% participation rate + 5% declared rate

S&P 500

S&P 500 Index

100% participation rate + 7% declared rate

S&P 500

S&P 500 Index

45% participation rate

Fixed Account

Fixed Account

3.75% declared rate

+ 20 volatility-controlled index options (Balanced, Goldman Sachs, BlackRock...)

Lifetime Income Riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime payout rate6.1% lifetime payout
Annual rider fee1.15% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Built-in premium bonus — the contract publishes a double-digit first-year premium credit that vests across the ten-year surrender schedule, accelerating the income-base value the GLWB rider uses to calculate the lifetime payout.
  • Optional EGMWB rider for guaranteed lifetime withdrawals — turning the bonused premium into a contractually published lifetime payout rate rather than relying on bare index growth.
  • Wide index menu spanning the S&P 500 alongside proprietary volatility-controlled benchmarks (Barclays Trailblazer Sectors 5, BlackRock Market Advantage, CIBC Balanced 5/10% Vol-Control ER, Goldman Sachs Global Factor, Morgan Stanley US Equity Allocator) — so a buyer who allocates to the rider can still diversify the accumulation engine that drives the income base.
  • Two named surrender-charge waivers — nursing home and terminal illness — provide named exits from a long surrender schedule for life events most likely to force early access.

What to confirm

  • The optional GLWB rider carries an annual fee charged on the income/withdrawal base, not the account value — the effective cost runs higher than the headline percentage looks, and that fee continues for as long as the rider is in force.
  • The ten-year surrender schedule starts in the mid-teens for the first contract year and steps down only gradually; a buyer who may need full liquidity inside the first few years should price the surrender charge against the bonused account value before committing premium.
  • The premium bonus vests across the full surrender ladder — exit before vesting completes and the unvested portion of the bonus is recaptured, so the bonus is only as good as the buyer's willingness to hold the full term.
  • Several listed indexes are proprietary volatility-controlled benchmarks; participation rates on these can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap. The RMD-friendly flag is set 'N' on this rider, so RMD-required-distribution buyers should map their qualified-money withdrawals against the rider's published mechanics before committing.

Not ideal for

Buyers who need full liquidity inside the surrender window, want a shorter-term commitment, dislike riders priced on the withdrawal base rather than the account value, or who need an RMD-friendly rider on qualified money — the EGMWB on this filing flags non-RMD-friendly.

All crediting strategies

View rate listings (56 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 220% · 1-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

10-yr surrender

Par: 210% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 160% · 1-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 155% + Spread: 0% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 150% + Spread: 5.5% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 125% · 1-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 100% + Fixed: 5% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 100% + Fixed: 7% · 1-yr

S&P 500 Index

Rider Charge Included · trigger

10-yr surrender

Par: 95% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 80% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 70% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Par: 45% · 1-yr

S&P 500 Index

Rider Charge Included · participation

10-yr surrender

Cap: 10.25% · 1-yr

S&P 500 Index

Rider Charge Included · cap

10-yr surrender

Cap: 7.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 3.25% · 1-yr

S&P 500 Index

Rider Charge Included · monthly_sum_cap

10-yr surrender

Cap: 2.5% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 280% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 265% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 265% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Rider Charge Included · participation

10-yr surrender

Par: 240% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 225% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 225% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

10-yr surrender

Par: 200% + Spread: 5% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 180% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 170% + Spread: 5% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 125% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 105% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Par: 220% · 1-yr

Goldman Sachs Global Factor Index

Rider Charge Included

Par: 210% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included

Par: 160% · 1-yr

Goldman Sachs Global Factor Index

Par: 155% + Spread: 0% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 150% + Spread: 5.5% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 125% · 1-yr

BlackRock Market Advantage Index

Par: 100% + Fixed: 5% · 1-yr

S&P 500 Index

Par: 100% + Fixed: 7% · 1-yr

S&P 500 Index

Rider Charge Included

Par: 95% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included

Par: 80% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 70% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Par: 45% · 1-yr

S&P 500 Index

Rider Charge Included

Cap: 10.25% · 1-yr

S&P 500 Index

Rider Charge Included

Cap: 7.25% · 1-yr

S&P 500 Index

Fixed: 3.75% · 1-yr

Fixed Account

Cap: 3.25% · 1-yr

S&P 500 Index

Rider Charge Included

Cap: 2.5% · 1-yr

S&P 500 Index

Par: 280% · 2-yr

Goldman Sachs Global Factor Index

Par: 265% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included

Par: 265% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Rider Charge Included

Par: 240% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

Par: 225% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 225% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Par: 200% + Spread: 5% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

Rider Charge Included

Par: 180% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

Par: 170% + Spread: 5% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 125% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included

Par: 105% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Income riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime withdrawal rate6.1%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime withdrawal rate4.3%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Home health care rider, Nursing home waiver, Terminal illness waiver

Premium bonus

11%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard AV Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.75%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

acceleratorplus10.pdf

Confidence: highReviewed Apr 4, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA-
Moody'sA3
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Accelerator Plus 10 currently shows 27 distinct indexed or fixed crediting choices across 56 current rate listings, including S&P 500 Index, with 20 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 2.5% cap
  • S&P 500 Index: 7.25% cap
  • S&P 500 Index: 10.25% cap

Income rider language

What to look for before treating the rider as income

Enhanced Guaranteed Minimum Withdrawal Benefit is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.1% withdrawal rate
  • 1.15% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as acceleratorplus10.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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