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Fixed Indexed Annuity

F&G 1-2-3

F&G Annuities and Life

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5.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: July 17, 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.

Model this product

See what F&G 1-2-3 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$236,881
Est. value at age 80 (F&G 1-2-3)
5.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 5.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies F&G 1-2-3's published cap rate (5.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how F&G 1-2-3 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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Live rate data

Run live numbers for F&G 1-2-3

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this F&G Annuities and Life product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

GLWB lifetime payout rate

3.04% 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.

0% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want optional guaranteed-lifetime-withdrawal income alongside index-linked accumulation, 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

5.25% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

1.9% cap rate

Monthly sum

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

5.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

1.95% cap rate

Monthly sum

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

3.75% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

4% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.8% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

+ 16 additional crediting options (Morgan Stanley, BlackRock, Balanced...)

Lifetime Income Riders

Income rider

Income Rider - Anytime Income

Lifetime payout rate3.04% lifetime payout
Annual rider fee0% annual rider fee
Interest multiplier2.5x interest multiplier

Income rider

Income Rider - Future Income

Lifetime payout rate1.66% lifetime payout
Annual rider fee0% annual rider fee
Interest multiplier1.5x interest multiplier

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 contract, 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 crediting choices supporting the income base include 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 contract 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 contract 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.

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See how F&G 1-2-3 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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All crediting strategies

View rate listings (26 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 110% + Spread: 0% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 105% + Spread: 5.5% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

BlackRock Market Advantage Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 50% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 5.25% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Trigger: 3.75% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Fixed: 2.8% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 1.9% · 1-yr

S&P 500 Index

monthly_sum_cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 115% + Spread: 0% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 110% + Spread: 5.5% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

BlackRock Market Advantage Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 50% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 5.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Trigger: 4% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Fixed: 2.8% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 1.95% · 1-yr

S&P 500 Index

monthly_sum_cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 165% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 120% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 85% + Spread: 0% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 75% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 170% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 125% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 90% + Spread: 0% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 80% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Income riders

Income rider

Lifetime Income Rider - Future Income

Lifetime withdrawal rate1.66%
Annual rider fee0%
Income multiplier1.5× multiplier
Deferral assumed10 years

GLWB

Income rider

Lifetime Income Rider - Anytime Income

Lifetime withdrawal rate3.04%
Annual rider fee0%
Income multiplier2.5× multiplier
Deferral assumed10 years

GLWB

Common questions about F&G 1-2-3

● Can I lose money in F&G 1-2-3?

A negative index return by itself does not reduce the contract's account value: F&G 1-2-3 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Lifetime Income Rider - Anytime Income income rider worth the 0% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 3.04% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do F&G 1-2-3's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current F&G 1-2-3 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.25%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

0.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

10.00%

Maximum spread: 10.00%

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 22 distinct indexed or fixed crediting choices across 26 displayed rate entries, including S&P 500 Index, with 16 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.25% annual cap
  • S&P 500 Index: 1.9% monthly cap
  • S&P 500 Index: 5.5% annual cap
  • S&P 500 Index: 1.95% monthly cap

Income rider language

What to look for before treating the rider as income

Lifetime Income Rider - Anytime Income is the main income rider listed 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.

  • 3.04% withdrawal rate
  • 0% rider fee
  • 10 deferral years

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

Free Comparison Report

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See how F&G 1-2-3 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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