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Fixed Indexed Annuity

F&G Power Accumulator 10

F&G Annuities and Life

8.5%

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

8.5% cap on S&P 500

A ten-year-surrender F&G fixed indexed annuity built for index-linked accumulation with two paths to S&P exposure (annual point-to-point cap and an iShares Core S&P 500 ETF participation design) alongside multiple volatility-controlled index participation strategies, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation, value the ability to mix benchmark and ETF-tracking S&P exposure on the same contract, and don't need a guaranteed lifetime-income rider built into the contract.

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

iShares Core S&P 500 ETF

8.5% cap rate

S&P 500

iShares Core S&P 500 ETF

40% participation rate

S&P 500

iShares Core S&P 500 ETF

14.75% cap rate

S&P 500

iShares Core S&P 500 ETF

60% participation rate + 2.5% spread

Fixed Account

Fixed Account

4% declared rate

+ 19 volatility-controlled index options (Balanced, iShares Gold, iShares MSCI...)

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.
  • Two paths to S&P exposure are available on the same contract — an annual point-to-point cap on the unmanaged S&P 500 index and a participation-rate design on the iShares Core S&P 500 ETF — so a buyer choosing S&P-linked accumulation can pick the crediting mechanic that best fits their view rather than being locked into a single style.
  • Strategy menu also includes participation designs on multiple volatility-controlled indexes (BlackRock Market Advantage, CIBC Balanced 5%/10%, Morgan Stanley US Equity Allocator), so the buyer can diversify across benchmark and proprietary mechanics.
  • 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 both routine cash needs and major life events.

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 — so a buyer who needs 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 — F&G's own Power Accumulator 7 is the seven-year sibling on the same chassis.
  • 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.
  • Several listed strategies sit on proprietary volatility-controlled indexes (BlackRock Market Advantage, CIBC Balanced, Morgan Stanley US Equity Allocator). Participation rates on these can look high in absolute terms but are not directly comparable to an uncontrolled benchmark-index cap. The guaranteed-minimum strategy floors on this filing 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 a contractually guaranteed GLWB-rider withdrawal rate, want a shorter surrender commitment (F&G publishes a Power Accumulator 7 sibling on the same chassis), expect a premium bonus to offset a long surrender term, or want a death-benefit roll-up beyond the standard contract value.

All crediting strategies

View rate listings (48 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: 250% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Strategy Fee Included · participation

10-yr surrender

Par: 200% · 1-yr

BlackRock Market Advantage Index

Strategy Fee Included · participation

10-yr surrender

Par: 195% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 155% + Spread: 0% · 1-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 110% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Strategy Fee Included · participation

10-yr surrender

Par: 100% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 85% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Par: 50% · 1-yr

iShares US Real Estate ETF

participation

10-yr surrender

Par: 45% · 1-yr

iShares MSCI EAFE ETF

participation

10-yr surrender

Par: 40% · 1-yr

iShares Core S&P 500 ETF

participation

10-yr surrender

Par: 40% · 1-yr

iShares Gold Trust

participation

10-yr surrender

Cap: 8.5% · 1-yr

iShares Core S&P 500 ETF

cap

10-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 320% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Strategy Fee Included · participation

10-yr surrender

Par: 285% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 240% · 2-yr

BlackRock Market Advantage Index

Strategy Fee Included · participation

10-yr surrender

Par: 215% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 185% + Spread: 3% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 145% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Strategy Fee Included · participation

10-yr surrender

Par: 130% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Par: 90% + Spread: 4.5% · 2-yr

iShares MSCI EAFE ETF

participation

10-yr surrender

Par: 70% + Spread: 2.5% · 2-yr

iShares US Real Estate ETF

participation

10-yr surrender

Par: 60% + Spread: 2.5% · 2-yr

iShares Core S&P 500 ETF

participation

10-yr surrender

Cap: 14.75% · 2-yr

iShares Core S&P 500 ETF

cap

10-yr surrender

Par: 250% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Strategy Fee Included

Par: 200% · 1-yr

BlackRock Market Advantage Index

Strategy Fee Included

Par: 195% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 155% + Spread: 0% · 1-yr

BlackRock Market Advantage Index

Par: 110% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Strategy Fee Included

Par: 100% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 85% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Par: 50% · 1-yr

iShares US Real Estate ETF

Par: 45% · 1-yr

iShares MSCI EAFE ETF

Par: 40% · 1-yr

iShares Core S&P 500 ETF

Par: 40% · 1-yr

iShares Gold Trust

Cap: 8.5% · 1-yr

iShares Core S&P 500 ETF

Fixed: 4% · 1-yr

Fixed Account

Par: 320% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Strategy Fee Included

Par: 285% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 240% · 2-yr

BlackRock Market Advantage Index

Strategy Fee Included

Par: 215% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

Par: 185% + Spread: 3% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

Par: 145% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Strategy Fee Included

Par: 130% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Par: 90% + Spread: 4.5% · 2-yr

iShares MSCI EAFE ETF

Par: 70% + Spread: 2.5% · 2-yr

iShares US Real Estate ETF

Par: 60% + Spread: 2.5% · 2-yr

iShares Core S&P 500 ETF

Cap: 14.75% · 2-yr

iShares Core S&P 500 ETF

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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

Standard AV Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.75%

Strategy guarantee

Minimum guaranteed participation: 15.00%

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

advisor sheet

ADV2092 FG Power Accumulator 10 (AAG)-iSHARES.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 Power Accumulator 10 currently shows 24 distinct indexed or fixed crediting choices across 48 current rate listings, including iShares Core S&P 500 ETF, with 19 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.

  • iShares Core S&P 500 ETF: 8.5% cap
  • iShares Core S&P 500 ETF: 40% participation
  • iShares Core S&P 500 ETF: 14.75% cap

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 ADV2092 FG Power Accumulator 10 (AAG)-iSHARES.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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