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Fixed Indexed Annuity

F&G 1-2-3

F&G Annuities and Life

4.75%

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

5.34% lifetime payout

A ten-year-surrender F&G fixed indexed annuity with four guaranteed-lifetime-withdrawal rider configurations, an S&P 500 annual point-to-point cap alongside participation designs on multiple volatility-controlled indexes, and three-agency financial-strength corroboration.

RMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want optional guaranteed-lifetime-withdrawal income from the same contract as the accumulation engine, value being able to pick from multiple rider configurations, and want the carrier-credit profile corroborated by three rating agencies before committing to a long surrender term.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.75% cap rate

S&P 500

S&P 500 Index

1.45% cap rate

S&P 500

S&P 500 Index

100% participation rate + 3% declared rate

Fixed Account

Fixed Account

2.8% declared rate

+ 9 volatility-controlled index options (Morgan Stanley, BlackRock, Balanced...)

Lifetime Income Riders

Income rider

Income Rider - Future Income

RMD friendly
Lifetime payout rate5.34% lifetime payout

Product analyst notes

How to think about this contract

Why it can stand out

  • Four distinct guaranteed-lifetime-withdrawal rider configurations are published on this filing, so a buyer can pick the rider variant that best matches their target deferral period and joint-vs-single payout election rather than being forced into a single income mechanic.
  • Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view is corroborated across multiple agencies rather than resting on a single-source read — useful when the buyer is committing premium against a long-dated lifetime-income guarantee.
  • Strategy menu pairs an S&P 500 annual point-to-point cap with participation designs on multiple volatility-controlled indexes (BlackRock Market Advantage, CIBC Balanced, Morgan Stanley US Equity Allocator), so the accumulation engine supporting the income base has both a like-for-like benchmark option and higher-participation alternatives.
  • Two named surrender-charge waivers (nursing home, terminal illness) plus a published annual free-withdrawal allowance preserve named penalty-free exits from the ten-year surrender ladder for routine cash needs and the major-life-event categories the waivers cover.

What to confirm

  • The optional GLWB income rider carries an annual fee that is charged against the contract value for as long as the rider is in force, so the income guarantee is not free — the rider cost reduces the accumulation side and should be weighed against the rider's published lifetime payout before electing it.
  • The death benefit on this filing is described as an installment death benefit rather than a guaranteed lump-sum roll-up — beneficiaries receive the contract value paid out as a stream of installments under the terms shown on the documents, so a buyer prioritizing a lump-sum legacy benefit should weigh that against the contract terms.
  • The minimum guaranteed strategy floors on this filing are very low (low fractional-percent minimums on caps, declared rates, and the fixed-account rate), so caps and participation rates can reset down toward those floors over the ten-year surrender term and the buyer carries that renewal risk for the full term.
  • Several listed strategies sit on proprietary volatility-controlled indexes (BlackRock Market Advantage, CIBC Balanced, Morgan Stanley US Equity Allocator) rather than on the unmanaged S&P 500. Participation rates on these are not directly comparable to an uncontrolled benchmark-index cap and should be evaluated on their own merits.

Not ideal for

Buyers who want a shorter surrender commitment, refuse to pay an annual rider fee for the lifetime-income guarantee, prioritize a guaranteed lump-sum death-benefit roll-up over installment death-benefit terms, or want a premium bonus credited to the contract at issue — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (26 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: 100% + Fixed: 3% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 95% + Spread: 0% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 90% + Spread: 5.5% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 70% · 1-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 45% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 40% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Cap: 4.75% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.8% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.45% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 130% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 100% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 70% + Spread: 0% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 60% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Par: 100% + Fixed: 3% · 1-yr

S&P 500 Index

Par: 95% + Spread: 0% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 90% + Spread: 5.5% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 70% · 1-yr

BlackRock Market Advantage Index

Par: 45% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 40% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Cap: 4.75% · 1-yr

S&P 500 Index

Fixed: 2.8% · 1-yr

Fixed Account

Cap: 1.45% · 1-yr

S&P 500 Index

Par: 130% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 100% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

Par: 70% + Spread: 0% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 60% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Income riders

Income rider

Lifetime Income Rider - Future Income

RMD friendly
Lifetime withdrawal rate5.34%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 80

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

Death benefit

Installment Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.25%

Strategy guarantee

Minimum guaranteed declared rate: 0.25%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

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

ADV5453 FG 1-2-3 (CB)-2.pdf

Confidence: highReviewed Apr 7, 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

F&G 1-2-3 currently shows 13 distinct indexed or fixed crediting choices across 26 current rate listings, including S&P 500 Index and Fixed Account, with 9 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: 4.75% cap
  • S&P 500 Index: 1.45% cap
  • S&P 500 Index: 100% participation

Income rider language

What to look for before treating the rider as income

Lifetime Income Rider - Future Income 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.

  • 5.34% withdrawal rate
  • 10 deferral years
  • RMD friendly

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 ADV5453 FG 1-2-3 (CB)-2.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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