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Fixed Indexed Annuity

F&G SecureBuilder®

F&G Annuities and Life

9.25%

Best Cap

10%

Free W/D

49

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

9.25% cap on S&P 500

A seven-year-surrender F&G fixed indexed annuity built for index-linked accumulation on a focused strategy menu (S&P 500 annual point-to-point cap, a CIBC Balanced participation design, and a fixed account), with no income rider, no premium bonus, and three-agency financial-strength corroboration.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want a straightforward seven-year-surrender accumulation FIA without rider complexity, value a focused strategy menu over a long list of overlapping options, and want the carrier-credit profile corroborated by three rating agencies before committing premium.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. Montana, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 6% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

16% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Rate varies by premium band.

+ 3 volatility-controlled index options (Balanced...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Seven-year surrender ladder rather than the ten years that defines most of the F&G FIA shelf — shorter commitment to a straightforward accumulation chassis, and full surrender access without charge sooner than on the ten-year filings.
  • 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 is intentionally focused — an S&P 500 annual point-to-point cap, a CIBC Balanced participation design, and a fixed-account option — so the buyer is not asked to choose among a long list of overlapping strategies and can compare the cap directly to peer FIAs.
  • Two named surrender-charge waivers (nursing home, terminal illness) plus a published annual free-withdrawal allowance preserve named penalty-free exits from the surrender ladder for routine cash needs and the major-life-event categories the waivers cover.

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.
  • 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 surrender commitment. There is also no death-benefit roll-up beyond the standard contract value.
  • The narrow strategy menu means a buyer whose view differs from the S&P 500 outlook has limited alternatives on this filing — only the CIBC Balanced participation design as a non-S&P option. Buyers who want exposure to small-cap, international, or sector-focused indexes should look at F&G's broader-strategy filings (Power Accumulator, AccumulatorPlus, Performance Pro).
  • The CIBC Balanced strategy sits on a proprietary volatility-controlled index; participation rates on this 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 filing are very low, so caps and participation rates can reset down toward those floors over the seven-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 broad strategy menu spanning small-cap, international, or sector indexes, expect a premium bonus to offset the surrender commitment, or want a death-benefit roll-up beyond the standard contract value.

All crediting strategies

View rate listings (16 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: 200% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 6% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 280% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

7-yr surrender$100,000+

Cap: 16% · 2-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Par: 200% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

$100,000+

Par: 100% + Fixed: 6% · 1-yr

S&P 500 Index

$100,000+

Par: 50% · 1-yr

S&P 500 Index

$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4% · 1-yr

Fixed Account

$100,000+

Par: 280% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

$100,000+

Cap: 16% · 2-yr

S&P 500 Index

$100,000+

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.

Linked review

F&G SecureBuilder® review notes

Detailed, unbiased review of the F&G SecureBuilder FIA covering rates, crediting strategies, liquidity, pros, cons, and who it fits best.

3.5/5Read review
Nikhil Bhauwala

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

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.75%

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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

ADV2173 FG SecureBuilder 5-7 (AAG)-Standard.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 SecureBuilder® currently shows 8 distinct indexed or fixed crediting choices across 16 current rate listings, including S&P 500 Index, with 3 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: 9.25% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 50% participation

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
  • 7 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 ADV2173 FG SecureBuilder 5-7 (AAG)-Standard.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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