FG Guarantee-Platinum
F&G Annuities and Life
4.9%
5-yr guarantee
10%
Free W/D
49
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
4.9% guaranteed for 5 years
A multi-year guaranteed annuity from F&G Annuities & Life — a separate filing from the F&G Secure MYGA family — with 3-, 5-, and 7-year guarantee periods on a seven-year declining surrender ladder, a contractual RMD waiver alongside nursing-home and terminal-illness waivers, single or joint annuitization options on both non-qualified and qualified funds, and three-agency financial-strength corroboration.
Best fit
Buyers who want a fixed declared rate locked in for a 3-, 5-, or 7-year window, value the contractual RMD waiver for qualified-money distributions, want single or joint annuitization options on the same contract, and want the carrier-credit profile corroborated by three rating agencies.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. Montana, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee periods on a single filing — 3, 5, and 7 years — so a buyer can match the rate-lock horizon to their planning window without comparing across separate F&G MYGA 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 — especially relevant for a multi-year fixed-rate commitment.
- Three surrender-charge waivers attached to the contract — nursing home, RMD waiver, and terminal illness — including a contractual RMD waiver that lets qualified-money buyers take required minimum distributions without triggering a surrender charge. This is the only MYGA in the F&G shelf that publishes an RMD waiver alongside the standard nursing-home and terminal-illness waivers; the three F&G Secure MYGA siblings do not list an RMD waiver in the live feed.
- Both single and joint annuitization options are available, and the contract accepts both non-qualified and qualified funds, so couples planning a joint-life payout and buyers using IRA money are both inside the product's accepted-funds and payout-options envelope.
What to confirm
- The seven-year surrender ladder applies to all three guarantee-period elections — a 3-year guarantee buyer is still inside the seven-year surrender schedule for years 4 through 7, with declining but still meaningful surrender charges. The guarantee period and the surrender period are not the same thing.
- Available in 49 jurisdictions — two fewer than the F&G Secure MYGA family — so a small number of buyers may find this filing unavailable while the broader F&G MYGA shelf is open to them. Confirm state availability before treating this contract as an option.
- The published declared rate on this filing is set per-term with no premium-band tiering in the live feed, so a buyer comparing against carriers that publish band-specific rate tiers should not assume larger premium gets a higher rate on this contract.
- Like any MYGA, this contract is not a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached, and the page should not be compared side-by-side with an income FIA or a SPIA — a MYGA is a fixed-rate deferred contract, full stop. No premium bonus is credited at issue, and the death benefit is the standard contract value with no guaranteed roll-up.
Not ideal for
Buyers in the two jurisdictions where Guarantee-Platinum is not available but the broader F&G Secure MYGA family is, buyers who require an A.M. Best A+ or stronger carrier rating, or buyers who want lifetime-income guarantees, a premium bonus, or a death-benefit roll-up beyond the standard contract value.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.5% |
| 5-Year | 4.9% |
| 7-Year | 4.95% |
Key Features
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability 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, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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