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Fixed Indexed Annuity

F&G Flex Accumulator

F&G Annuities and Life

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9.25%

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 Flex Accumulator 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
$307,812
Est. value at age 80 (F&G Flex Accumulator)
9.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.25% 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 Flex Accumulator's published cap rate (9.25% 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 Flex Accumulator 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 Flex Accumulator

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.

S&P 500 annual cap rate

9.25% cap on S&P 500

A ten-year-surrender F&G fixed indexed annuity built for index-linked accumulation across an S&P 500 annual point-to-point cap and participation designs on multiple volatility-controlled indexes, with no income rider, no premium bonus, and broad 50-state availability.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation across a recognizable benchmark cap and volatility-controlled participation designs, don't need a guaranteed lifetime-income rider on the contract, and want the carrier-credit profile corroborated by three rating agencies.

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

9.25% cap rate

Annual cap

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

S&P 500

S&P 500 Index

monthly sum cap

2.85% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

Rider Charge Included · monthly sum cap

3.6% cap rate

Monthly sum

Strategy fee: 1.25%/yr

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

S&P 500

S&P 500 Index

40% participation rate + 3% spread

Participation

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

S&P 500

S&P 500 Index

Rider Charge Included

50% participation rate + 3% spread

Participation

Strategy fee: 1.25%/yr

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

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

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

+ 7 additional crediting options (Balanced, Barclays Trailblazer, BlackRock...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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.
  • Strategy menu pairs a like-for-like S&P 500 annual point-to-point cap with participation designs on the BlackRock Market Advantage and CIBC Balanced volatility-controlled indexes, so a buyer who wants benchmark-index exposure and a buyer who wants a higher-participation volatility-controlled alternative can both find a strategy that fits their view.
  • Three named surrender-charge waivers (nursing home, RMD, terminal illness) attached to the contract, plus a published annual free-withdrawal allowance, provide named penalty-free exits from the ten-year surrender ladder for routine cash needs, qualified-money required distributions, and the major-life-event categories the waivers cover.
  • Available in essentially the full 50-state national market on this contract, so a buyer in nearly any US jurisdiction can purchase the contract without state-availability gating.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no optional GLWB income rider attached — the live feed shows an empty income-rider list — and the only contract-level enhancements are surrender-charge waivers. Buyers who need a contractually defined lifetime payout should not compare this contract side-by-side with a rider-led income FIA.
  • The ten-year surrender term is at the long end of the FIA market, with a high first-year surrender charge that does not drop into the low single digits until late in the schedule. Buyers who do not need a full ten-year deferral should compare a shorter-surrender FIA before locking in.
  • There is no premium bonus on this contract — the working principal starts at the gross premium paid in, with no upfront credit to offset the ten-year surrender commitment. There is also no death-benefit roll-up beyond the standard contract value.
  • Strategies on the BlackRock Market Advantage and CIBC Balanced 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 guaranteed-minimum strategy floors on this contract are very low, 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.

Not ideal for

Buyers who need source-backed lifetime-income specifics directly from this page should not rely on this product page alone; use a carrier illustration or a CANNEX response that publishes rider mechanics.

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See how F&G Flex Accumulator 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 (13 strategies)

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

Par: 100% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrenderDoes not vary by premium

Par: 50% + Spread: 3% · 1-yr

S&P 500 Index

Rider Charge Included · participation

10-yr surrenderDoes not vary by premium

Par: 40% + Spread: 3% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 3.6% · 1-yr

S&P 500 Index

Rider Charge Included · monthly_sum_cap

10-yr surrenderDoes not vary by premium

Cap: 2.85% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrenderDoes not vary by premium

Par: 300% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Rider Charge Included · participation

10-yr surrenderDoes not vary by premium

Par: 265% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

10-yr surrenderDoes not vary by premium

Par: 240% · 2-yr

BlackRock Market Advantage Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 225% + Spread: 4% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrenderDoes not vary by premium

Par: 215% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrenderDoes not vary by premium

Par: 200% + Spread: 4% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

F&G Flex Accumulator review notes

Discover the features, rates, and benefits of the F&G Flex Accumulator Fixed Indexed Annuity. Is it the right choice for your retirement goals?

4/5Read review
Nikhil Bhauwala

Common questions about F&G Flex Accumulator

● Can I lose money in F&G Flex Accumulator?

A negative index return by itself does not reduce the contract's account value: F&G Flex Accumulator 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.

● 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 Flex Accumulator's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current F&G Flex Accumulator 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

4

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

Death benefit

Enhanced 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.

Fixed account guarantee

1.75%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

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, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

advisor sheet

ADV2240 FG Flex Accumulator (AAG).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 Flex Accumulator currently shows 13 indexed or fixed crediting options, including S&P 500 Index, with 7 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: 9.25% annual cap
  • S&P 500 Index: 2.85% monthly cap
  • S&P 500 Index: 3.6% monthly cap, 1.25% annual strategy fee
  • S&P 500 Index: 40% annual participation rate

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
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as ADV2240 FG Flex Accumulator (AAG).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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See how F&G Flex Accumulator compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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