Registered index-linked annuity
F&G Confidence Builder
An F&G accumulation RILA with buffered major-index segments and annual or multi-year crediting choices.
Buffer
20%
Protection terms vary by segment and do not make the contract principal-protected.
RILA contracts can offer index-linked upside with a stated buffer, floor, or downside participation rule. They can still lose value under market and contract conditions, and they are not MYGA-style fixed-rate guarantees.
Product data status: July 16, 2026
Source: AdvisorWorld public product detail from CANNEX. Rates vary by state, premium band, issue age, index segment, and crediting term. RILA buffers, floors, downside participation, caps, participation rates, fixed rates, and spreads are separate point-in-time contract mechanics; they can change and are not guaranteed yields. Educational only; not advice, a quote, or a carrier-approved illustration. Confirm the current prospectus, state-approved contract version, and carrier materials before purchase. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured.
How this product works
How the 20% buffer works
For buffer segments, the insurer absorbs the first 20% of a linked-index loss for that segment term. If the index falls by more than the buffer, the contract loses value by the amount beyond it. These are forms of limited downside protection, not principal protection.
Because this is an SEC-registered product, compare the current prospectus, contract, segment term, crediting limit, fees, and surrender rules before purchase.
Downside-aware simulator
Test an index segment outcome
Principal is not protected. This educational one-segment scenario can gain or lose value and is not a carrier illustration.
Starting value
$100,000
Segment return
-15.00%
Ending value
$85,000
Buffer: credited loss = min(0, index return + buffer). Floor: credited loss = max(index return, −floor). Upside participation is applied before any cap; an annual strategy fee is compounded across the listed segment term.
Buffer
20%
S&P 500 Index · 1-year term · Point-to-point · Annual
Downside buffer for the listed index-linked segment; losses beyond the buffer can still apply.
Cap
500%
S&P 500 Index · 6-year term · Point-to-point · 6-year crediting
Crediting cap for the listed index-linked segment; actual crediting depends on index performance and contract terms.
State coverage
51
Available jurisdictions
Availability should be confirmed for the client's state and contract version.
Best current strategy by index and term
Scenario: $100,000 premium, issue age 60, Texas unless state-restricted. Source: AdvisorWorld CANNEX RILA detail. Information current as of July 16, 2026.
Fixed Account
1-year term · Fixed account
Protection
Not shown
Fixed
4.25%
Hindsight 20/20
6-year term · Hindsight 20/20 · Buffer strategy
Buffer
10%
Participation
100%
MSCI EAFE Index
1-year term · Point-to-point · Best of 2 available options
Buffer
10%
Cap
24%
MSCI EAFE Index
1-year term · Performance trigger
Buffer
10%
Trigger rate
12%
MSCI EAFE Index
3-year term · Point-to-point
Buffer
10%
Participation
100%
MSCI EAFE Index
3-year term · Point-to-point
Buffer
20%
Cap
75%
MSCI EAFE Index
6-year term · Point-to-point
Buffer
10%
Participation
100%
MSCI EAFE Index
6-year term · Point-to-point · Best of 2 available options
Buffer
20%
Cap
500%
Nasdaq-100 Index
1-year term · Point-to-point
Buffer
10%
Cap
21.5%
Nasdaq-100 Index
1-year term · Performance trigger
Buffer
10%
Trigger rate
12%
Russell 2000 Index
1-year term · Point-to-point · Best of 2 available options
Buffer
10%
Cap
25%
Russell 2000 Index
1-year term · Performance trigger
Buffer
10%
Trigger rate
14.25%
Russell 2000 Index
3-year term · Point-to-point · Best of 2 available options
Buffer
10%
Cap
100%
Russell 2000 Index
6-year term · Point-to-point
Buffer
10%
Participation
100%
Russell 2000 Index
6-year term · Point-to-point · Best of 2 available options
Buffer
20%
Cap
500%
S&P 500 Index
1-year term · Point-to-point · Best of 2 available options
Buffer
10%
Cap
20.75%
S&P 500 Index
1-year term · Performance trigger
Buffer
10%
Trigger rate
12.75%
S&P 500 Index
3-year term · Point-to-point
Buffer
10%
Participation
100%
S&P 500 Index
3-year term · Point-to-point
Buffer
20%
Cap
45%
S&P 500 Index
6-year term · Point-to-point
Buffer
10%
Participation
100%
S&P 500 Index
6-year term · Point-to-point · Best of 2 available options
Buffer
20%
Cap
500%
What stands out
- • Buffered strategies cover major U.S. and international equity indexes.
- • Annual and multi-year segment choices include the carrier's Hindsight design.
- • The current contract version has broad jurisdictional availability.
What to watch
- • Contract value can decline when losses exceed the chosen buffer.
- • Longer segment horizons trade liquidity and reset frequency for different crediting terms.
- • The product is accumulation-focused in the live data and does not show a current guaranteed lifetime-income option.
Who it may fit
Buyers comfortable with registered index-linked loss exposure who want several buffered index and term choices.
Who should look elsewhere
Buyers who need full principal protection, simple fixed crediting, or guaranteed lifetime withdrawals.
Liquidity
Free withdrawal: 10%/yr
Surrender periods shown: 6
Premium range
Minimum: Not shown
Maximum: Not shown
Documents
No carrier documents are currently available for this product.
Surrender schedule
Carrier ratings
AM Best: A — Excellent
S&P: A- — Strong
Moody's: A3 — Good
S&P: A- — Strong
Prospectus and documents
This is an SEC-registered product. Read the current prospectus and state-approved contract for segment rules, fees, withdrawals, and surrender terms.
RILA questions
Can this product lose value?
Yes. Principal is not protected; linked segments can lose value when negative index performance exceeds the selected protection or under other contract terms.
How are a buffer and floor different?
A buffer absorbs the first stated portion of a loss and passes through the excess. A floor caps the segment loss at the stated amount.
What limits positive returns?
Depending on the segment, a cap, participation rate, spread, strategy fee, or combination can limit credited upside.
Structured product features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Activities of daily living, Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
2.00%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
0.50%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.75%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
100.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.