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Fixed Indexed Annuity

Prosperity Elite 10

F&G Annuities and Life

6.5%

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

GLWB lifetime payout rate

12.8% lifetime payout

A ten-year-surrender F&G fixed indexed annuity from the Prosperity Elite family, with a premium bonus and a single named Enhanced GMWB Protection Package rider for guaranteed lifetime income — the middle-term option between Prosperity Elite 7 and Prosperity Elite 14.

0.95% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Income-led buyers who want a single-rider chassis with bonus-amplified income-base growth, plan to defer for the full ten-year surrender term, and want the same rider mechanics they would get on the family's seven- or fourteen-year siblings.

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

6.75% cap rate

S&P 500

S&P 500 Index

6.5% cap rate

S&P 500

S&P 500 Index

2.3% cap rate

S&P 500

S&P 500 Index

100% participation rate + 4.5% declared rate

Fixed Account

Fixed Account

3.75% declared rate

+ 8 volatility-controlled index options (Gold Commodity, Barclays Trailblazer, Balanced...)

Lifetime Income Riders

Income rider

EGMWB - Protection Package

RMD friendly
Lifetime payout rate12.8% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus credited to the income base and vested across the ten-year surrender ladder — accelerates the starting income-base value the rider applies its lifetime payout against.
  • Single named EGMWB Protection Package rider — same rider design across the Prosperity Elite 7 / 10 / 14 family, so a buyer can compare term variants on a like-for-like rider basis rather than evaluating different rider chassis at each surrender length.
  • Six-index strategy menu including S&P 500 annual point-to-point cap and a gold-linked option — broader than F&G's seven-year-surrender Prosperity Elite 7 sibling, giving the income-base accumulation engine more diversification options on the same rider.
  • 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.
  • The rider's annual fee is charged on the income/withdrawal base, not the account value — effective rider cost runs higher than the headline percentage looks, and that fee continues for as long as the rider is in force.
  • The published bonus on Prosperity Elite 10 sits between the smaller bonus on the seven-year sibling and the larger bonus on the fourteen-year sibling — confirm which term variant a quote refers to, because the family shares the same product name root.
  • Several listed indexes are proprietary volatility-controlled benchmarks (Barclays Trailblazer Sectors 5, CIBC Balanced 5% Vol-Control ER, Goldman Sachs Global Factor). Participation rates on these can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap rate. The gold-linked strategy carries commodity risk distinct from equity-index volatility.

Not ideal for

Buyers who need full liquidity inside the surrender window, want a multi-rider menu rather than a single named rider, or prefer the larger bonus on the fourteen-year filing over a more moderate surrender commitment.

All crediting strategies

View rate listings (25 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.

Cap: 8.25% · 1-yr

Gold Commodity / LBMA Gold Price PM

cap

10-yr surrender

Par: 150% · 1-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 145% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 100% + Fixed: 4.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Cap: 6.75% · 1-yr

S&P 500 Index

monthly_avg_cap

10-yr surrender

Cap: 6.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 2.3% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 195% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

10-yr surrender

Par: 260% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

10-yr surrender

Par: 245% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 210% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 200% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Cap: 8.25% · 1-yr

Gold Commodity / LBMA Gold Price PM

Par: 150% · 1-yr

Goldman Sachs Global Factor Index

Par: 145% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Par: 100% + Fixed: 4.5% · 1-yr

S&P 500 Index

Cap: 6.75% · 1-yr

S&P 500 Index

Cap: 6.5% · 1-yr

S&P 500 Index

Fixed: 3.75% · 1-yr

Fixed Account

Par: 195% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Par: 260% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included

Par: 245% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included

Par: 210% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

Par: 200% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Income riders

Income rider

EGMWB - Protection Package

RMD friendly
Lifetime withdrawal rate12.8%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 120

GLWB

Income rider

EGMWB - Protection Package

RMD friendly
Lifetime withdrawal rate7.3%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

EGMWB - Protection Package

RMD friendly
Lifetime withdrawal rate5.95%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

EGMWB - Protection Package

RMD friendly
Lifetime withdrawal rate5%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

EGMWB - Protection Package

RMD friendly
Lifetime withdrawal rate4.5%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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

6%

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

Death benefit

EDMDB

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

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

ADV2014 Prosperity Elite 10 (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

Prosperity Elite 10 currently shows 13 distinct indexed or fixed crediting choices across 25 current rate listings, including S&P 500 Index, with 8 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: 6.75% cap
  • S&P 500 Index: 6.5% cap
  • S&P 500 Index: 2.3% cap

Income rider language

What to look for before treating the rider as income

EGMWB - Protection Package 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.

  • 12.8% withdrawal rate
  • 0.95% rider fee
  • 10 deferral years
  • RMD friendly

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 ADV2014 Prosperity Elite 10 (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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