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Fixed Indexed Annuity

Income 150+ SE

Global Atlantic Financial Group

5%

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

GLWB lifetime payout rate

7% lifetime payout

A ten-year-surrender income FIA from Global Atlantic at an A.M. Best A rating — multiple optional GLWB income riders with RMD-friendly designs sit on top of an index-crediting chassis, designed to be held through to a contractual lifetime-withdrawal phase.

1.2% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a contractually guaranteed lifetime-withdrawal income stream from an annuity wrapper, value the optionality of multiple rider designs on one commission-sold chassis, and are willing to commit to a ten-year surrender window.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 3.85% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

Rate varies by premium band.

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

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit

RMD friendly
Lifetime payout rate7% 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.
  • 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.
  • Filed in 49 states plus DC (excluding New York) with both qualified and non-qualified funding and joint ownership — the contract is broadly distributable across the country outside New York rather than narrowly regional.

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.
  • Surrender charges run a full ten-year declining ladder with a meaningful first-year charge, so an unplanned exit beyond the annual free-withdrawal allowance carries a real cost — this is a decade-length commitment, designed to be held through to the income-on phase.
  • 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.
  • Income 150+ SE is the commission-sold filing; Global Atlantic also issues a fee-based Advisory variant (Income 150+ SE Advisory) with a shorter surrender ladder for advisor-managed accounts. Confirm which filing the income illustration is built against before signing — the surrender economics differ materially.

Not ideal for

Buyers who want index-linked accumulation without paying an income-rider fee (look at ForeAccumulation II), need a shorter advisory-priced surrender window (look at Income 150+ SE Advisory), 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: 115% · 1-yr

PIMCO Balanced Index

participation

10-yr surrender$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 85% · 1-yr

Franklin US Index

participation

10-yr surrender$100,000+

Par: 85% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

10-yr surrender$100,000+

Cap: 7.5% · 1-yr

Nasdaq-100 Agile 15% Index

cap

10-yr surrender$100,000+

Cap: 7% · 1-yr

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

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 165% · 2-yr

PIMCO Balanced Index

participation

10-yr surrender$100,000+

Par: 115% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

10-yr surrender$100,000+

Par: 115% · 1-yr

PIMCO Balanced Index

$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

S&P 500 Index

$100,000+

Par: 85% · 1-yr

Franklin US Index

$100,000+

Par: 85% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

$100,000+

Cap: 7.5% · 1-yr

Nasdaq-100 Agile 15% Index

$100,000+

Cap: 7% · 1-yr

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

$100,000+

Cap: 5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 3% · 1-yr

Fixed Account

$100,000+

Par: 165% · 2-yr

PIMCO Balanced Index

$100,000+

Par: 115% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

$100,000+

Income riders

Income rider

Level Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate7%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 95

GLWB

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate7%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate6%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Level Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate4.84%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed10 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

Contract Value 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

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

brochure

FIA1087-5 (07-25) Income 150+ SE Highlights.pdf

Confidence: highReviewed Apr 14, 2026

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

product guide

FIA1888 (07-25) Income 150+ SE Brochure.pdf

Confidence: highReviewed Apr 7, 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

Income 150+ SE 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: 5% cap
  • S&P 500 Index: 100% participation
  • Fixed Account: 3% fixed

Income rider language

What to look for before treating the rider as income

Level Guaranteed Lifetime 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.

  • 7% withdrawal rate
  • 1.2% 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
  • 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 FIA1087-5 (07-25) Income 150+ SE Highlights.pdf and FIA1888 (07-25) Income 150+ SE Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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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