Fixed Indexed Annuity

F&G Power Accumulator 10

F&G Annuities and Life

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10%

Best S&P 500 Annual Cap

10%

Free W/D

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 Power Accumulator 10 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.

Premium$100,000

Your age60

Crediting strategy

Compare against

$281,436

Est. value at age 80 (F&G Power Accumulator 10)

10%

Best S&P 500 1-yr point-to-point cap

iShares Core S&P 500 ETF — 17.5% Cap (2-yr point-to-point)

✦

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 Power Accumulator 10's published cap rate (17.5% on iShares Core S&P 500 ETF) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how F&G Power Accumulator 10 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 Power Accumulator 10

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

10% 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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

iShares Core S&P 500 ETF

10% cap rate

Annual cap

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

1-year term

10-year surrender

Does not vary by premium

S&P 500

iShares Core S&P 500 ETF

50% participation rate

Participation

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

1-year term

10-year surrender

Does not vary by premium

S&P 500

iShares Core S&P 500 ETF

17.5% cap rate

Cap strategy

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

2-year term

10-year surrender

Does not vary by premium

S&P 500

iShares Core S&P 500 ETF

70% participation rate + 2.5% spread

Participation

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

2-year term

10-year surrender

Does not vary by premium

Fixed Account

4% declared rate

Fixed account

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

1-year term

10-year surrender

Does not vary by premium

+ 19 additional crediting 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 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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All crediting strategies

View rate listings (24 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: 280% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Strategy Fee Included · participation