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Fixed Indexed Annuity

Performance Pro

F&G Annuities and Life

5.75%

Best Cap

10%

Free W/D

51

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 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

4.35% lifetime payout

A ten-year-surrender F&G fixed indexed annuity with a very large premium bonus and an optional Enhanced GMWB rider — F&G's broadest accumulation engine paired with bonus-amplified guaranteed lifetime income for long-deferral buyers.

0.1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Bonus-driven income buyers who can hold the full ten-year deferral, want the largest available F&G premium bonus to inflate the GLWB rider's income base, and value the broadest available index menu for diversifying the accumulation engine that drives the income base.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.75% cap rate

S&P 500

S&P 500 Index

1.9% cap rate

S&P 500

S&P 500 Index

10% cap rate

S&P 500

S&P 500 Index

16% cap rate

Fixed Account

Fixed Account

2.75% declared rate

+ 12 volatility-controlled index options (Goldman Sachs, Gold Commodity, Balanced...)

Lifetime Income Riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime payout rate4.35% lifetime payout
Annual rider fee0.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Very large published premium bonus — F&G's largest on a ten-year-surrender chassis — credited to the income base up front and vested across the surrender ladder, giving the GLWB rider a substantially higher starting income base to apply its lifetime payout against.
  • Optional EGMWB rider with multiple fee tiers — a buyer can choose between a lower-fee configuration with a more conservative income-base growth engine and a higher-fee configuration with a richer growth engine, rather than being locked into a single rider design.
  • Eight-index strategy menu, the broadest in F&G's income-led lineup — including S&P 500 annual point-to-point cap, BlackRock Market Advantage, CIBC Balanced 5% Vol-Control ER, Goldman Sachs Global Factor, Morgan Stanley US Equity Allocator, Barclays Trailblazer Sectors 5, and an LBMA Gold Price-linked strategy — so the income-base growth engine has wide diversification options.
  • Two named surrender-charge waivers (nursing home, terminal illness) provide named exits from the ten-year surrender ladder for the life events most likely to force early access.

What to confirm

  • The premium bonus vests across the full ten-year ladder — exit before vesting completes and the unvested portion of the bonus is recaptured. The bonus is only as good as the buyer's willingness to hold the full term, and a buyer who exits at year five forfeits roughly half the published bonus.
  • The GLWB rider fee is charged on the income/withdrawal base, not the account value — effective rider cost runs higher than the headline percentage looks. With this product's larger bonus inflating the income base, the absolute dollar fee in year one is also larger than on a no-bonus rider sibling.
  • Two rider fee tiers exist — the higher fee unlocks the richer income-base growth mechanics. Make sure the rider variant being quoted matches the rider variant being illustrated; the published payout rate is meaningless without the matching fee.
  • Several listed 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 gold-linked strategy carries commodity risk distinct from equity-index volatility and should not be allocated to without understanding its specific mechanics.

Not ideal for

Buyers who may need full liquidity inside the surrender window, want a no-bonus chassis with a flatter rider fee, or want a contract whose income-base value does not depend on completing a full bonus-vesting schedule.

All crediting strategies

View rate listings (34 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: 130% · 1-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 125% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 55% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Cap: 6% · 1-yr

Gold Commodity / LBMA Gold Price PM

cap

10-yr surrender

Cap: 5.75% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.9% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 135% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 175% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

10-yr surrender

Par: 230% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

10-yr surrender

Par: 220% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 185% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 175% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 100% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 80% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Cap: 10% · 2-yr

S&P 500 Index

cap

10-yr surrender

Cap: 16% · 3-yr

S&P 500 Index

cap

10-yr surrender

Par: 130% · 1-yr

Goldman Sachs Global Factor Index

Par: 125% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 55% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Cap: 6% · 1-yr

Gold Commodity / LBMA Gold Price PM

Cap: 5.75% · 1-yr

S&P 500 Index

Fixed: 2.75% · 1-yr

Fixed Account

Cap: 1.9% · 1-yr

S&P 500 Index

Par: 135% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

Par: 175% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Par: 230% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included

Par: 220% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included

Par: 185% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

Par: 175% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 100% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included

Par: 80% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Cap: 10% · 2-yr

S&P 500 Index

Cap: 16% · 3-yr

S&P 500 Index

Income riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime withdrawal rate4.35%
Annual rider fee0.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Linked review

Performance Pro review notes

Explore the F&G Performance Pro Fixed Indexed Annuity, a reliable choice for tax-deferred growth, principal protection, and lifetime income options.

4/5Read 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

Premium bonus

21%

Bonus terms can vary by state, premium band, and rider election.

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

product guide

ADV2006 Performance Pro (CB)-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

Performance Pro currently shows 17 distinct indexed or fixed crediting choices across 34 current rate listings, including S&P 500 Index, with 12 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: 5.75% cap
  • S&P 500 Index: 1.9% cap
  • S&P 500 Index: 10% cap

Income rider language

What to look for before treating the rider as income

Enhanced Guaranteed Minimum Withdrawal Benefit is the main income-rider entry returned 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.

  • 4.35% withdrawal rate
  • 0.1% rider fee

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 ADV2006 Performance Pro (CB)-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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