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Fixed Indexed Annuity

ForeIncome II Advisory

Global Atlantic Financial Group

7%

Best Cap

10%

Free W/D

50

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

3.75% lifetime payout

The fee-based advisory variant of Global Atlantic's ForeIncome II income FIA — a seven-year-surrender chassis carrying multiple optional GLWB income riders with RMD-friendly designs, priced for advisor-managed accounts.

1.05% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Advisory-account buyers who want a contractually guaranteed lifetime-withdrawal income stream out of an annuity wrapper, value the optionality of multiple rider designs on one chassis, and prefer a shorter seven-year surrender window over the ten-year ladder on the commission-sold sibling.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 5.85% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Rate varies by premium band.

+ 7 volatility-controlled index options (PIMCO, Franklin, J.P. Morgan...)

Lifetime Income Riders

Income rider

Income Multiplier Benefit

RMD friendly
Lifetime payout rate3.75% lifetime payout
Annual rider fee1.05% annual rider fee

Income rider

Guaranteed Income Builder Benefit

RMD friendly
Lifetime payout rate3.75% lifetime payout
Annual rider fee1.2% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Multiple optional GLWB income rider designs are published on the live feed for this filing — a buyer can choose between income paths with different deferral-year schedules and withdrawal-base growth mechanics rather than being locked into one rider design.
  • Income riders are RMD-friendly across the menu published on this filing, which matters for buyers planning to take qualified-money withdrawals at the required minimum distribution.
  • Seven-year surrender ladder is shorter than the ten-year ladder common on commission-sold income FIAs, designed to fit inside an advisory account holding period without forcing a decade-long lockup.
  • Nursing-home and terminal-illness waivers are included alongside the annual free-withdrawal allowance — penalty-free liquidity rules are visible on this page rather than buried in a brochure.

What to confirm

  • Optional GLWB income riders carry an annual fee charged on the income-base (withdrawal-base) value rather than the account value — the effective dollar cost runs higher than the headline percentage suggests once the withdrawal base grows above the account value during deferral. Read the rider quote in dollars, not just percentages.
  • ForeIncome II Advisory is built to be sold inside an advisory account where the advisor charges a separate asset-based fee — that advisor fee is additive to the rider charge and to any strategy spread or participation drag, and is not reflected on this page.
  • Several crediting strategies on this filing run on proprietary volatility-controlled indexes whose participation rates can look high in absolute terms because of the index's volatility target — they are not directly comparable to an S&P 500 cap, so each strategy needs its own evaluation rather than a comparison based on the headline participation rate alone.
  • This is the advisory channel filing; Global Atlantic also issues the commission-sold ForeIncome II on a separate filing with a different surrender schedule. The income-rider menus on the two filings can look similar but the surrender economics differ — confirm which filing the income illustration is built against before signing.

Not ideal for

Buyers who want index-linked accumulation without paying an income-rider fee (look at ForeAccumulation II Advisory), want commission-sold income pricing on a longer surrender chassis (that is the standard ForeIncome II filing), or want a plain MYGA-style fixed-rate guarantee without rider charges.

All crediting strategies

View rate listings (20 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: 155% · 1-yr

PIMCO Balanced Index

participation

7-yr surrender$100,000+

Par: 115% · 1-yr

Franklin US Index

participation

7-yr surrender$100,000+

Par: 115% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

7-yr surrender$100,000+

Par: 100% + Fixed: 5.85% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Cap: 11.5% · 1-yr

Nasdaq-100 Agile 15% Index

cap

7-yr surrender$100,000+

Cap: 10.75% · 1-yr

S&P 500 Engle 12% VT Index (ER)

cap

7-yr surrender$100,000+

Cap: 7% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 225% · 2-yr

PIMCO Balanced Index

participation

7-yr surrender$100,000+

Par: 155% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

7-yr surrender$100,000+

Par: 155% · 1-yr

PIMCO Balanced Index

$100,000+

Par: 115% · 1-yr

Franklin US Index

$100,000+

Par: 115% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

$100,000+

Par: 100% + Fixed: 5.85% · 1-yr

S&P 500 Index

$100,000+

Cap: 11.5% · 1-yr

Nasdaq-100 Agile 15% Index

$100,000+

Cap: 10.75% · 1-yr

S&P 500 Engle 12% VT Index (ER)

$100,000+

Cap: 7% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4% · 1-yr

Fixed Account

$100,000+

Par: 225% · 2-yr

PIMCO Balanced Index

$100,000+

Par: 155% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

$100,000+

Income riders

Income rider

Income Multiplier Benefit

RMD friendly
Lifetime withdrawal rate3.75%
Annual rider fee1.05%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 95

GLWB

Income rider

Lifestyle Guaranteed Income Builder Benefit

RMD friendly
Lifetime withdrawal rate3.75%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Income Multiplier Benefit

RMD friendly
Lifetime withdrawal rate3.25%
Annual rider fee1.05%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 95

GLWB

Income rider

Lifestyle Guaranteed Income Builder Benefit

RMD friendly
Lifetime withdrawal rate3.25%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Level Guaranteed Income Builder Benefit

RMD friendly
Lifetime withdrawal rate3%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 95

GLWB

Income rider

Level Guaranteed Income Builder Benefit

RMD friendly
Lifetime withdrawal rate2.5%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 95

GLWB

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard 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): 0.50%

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

2%

Yr 2

2%

Yr 3

2%

Yr 4

2%

Yr 5

2%

Yr 6

2%

Yr 7

2%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Global-Atlantic-ForeIncome-II-Client-Brochure.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA
Moody'sA2
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

ForeIncome II Advisory currently shows 10 distinct indexed or fixed crediting choices across 20 current rate listings, including S&P 500 Index and Fixed Account, with 7 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: 7% cap
  • S&P 500 Index: 100% participation
  • Fixed Account: 4% fixed

Income rider language

What to look for before treating the rider as income

Income Multiplier 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.

  • 3.75% withdrawal rate
  • 1.05% rider fee
  • 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
  • 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 Global-Atlantic-ForeIncome-II-Client-Brochure.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

Free Comparison Report

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