Product Comparison

Insurance Products

Fidelity & Guaranty Life offers indexed universal life products with different features and benefits. The chart below is a summary of some of the product features. Terms and conditions may vary by state. For product details and to determine what is right for you, contact your Fidelity & Guaranty Life agent.

Product Name Summary Product Type  Issue Age  Minimum Face Amount  Fixed or Variable Loans Available Free Withdrawals Underwriting Surrender Charge Period
FG Life-ChoiceSM Great for cash accumulations Flex Premium Indexed Universal Life 0-85 $100,000 Yes  Years 2+ Preferred available 15 Years
FG Life-EliteSM Maximizing tax-free income Flex Premium Indexed Universal Life 0-85 $50,000 Yes  Years 2+ Preferred available 15 Years


Annuity Products

Fixed Annuities
 Fidelity & Guaranty Life offers fixed annuity products with different features and benefits. The chart below is a summary of some of the product features. Terms and conditions may vary by state. For product details and to determine what is right for you, contact your Fidelity & Guaranty Life agent.

Product Name Rate Guaranteed Period Issue Age  Premium Type Minimum Initial Premium Premium Bonus Free Withdrawals Surrender Charge Period Death Benefit Unemployed Waiver
Nursing Home Waiver Terminal Illness Waiver Guaranteed Withdrawal Benefit Impairment Protection
FG Guarantee-Platinum 3, 5 and 7SM 3,5,7 0-90 Single Premium $5,000 N/A Accrued Interest, Year 1+ 3, 5 or 7 years Yes  Yes Yes Yes  No  No
FG Guarantee-Plus 5 and 7SM 5,7 0-90 Single Premium $5,000 1% Accrued Interest, Year 1+ 5 or 7 years Yes  No No No  No  No
Simplicity Elite 7, 10, 14  1  0-85  Single Premium  $10,000  5%- 10 year *
 7%- 14 year *
 10% Vested Account Value, Year 2+  7,10 or 14 years  Yes  No  Yes  Yes  Yes  Yes
*The premium bonus for the Simplicity Elite product series is a vesting bonus.

Annuity Products

Fixed Index Annuities
 Fidelity & Guaranty Life offers indexed annuity products with different features and benefits. The chart below is a summary of some of the product features. Terms and conditions may vary by state. For product details and to determine what is right for you, contact your Fidelity & Guaranty Life agent.

Product Name Issue Age  Premium Type Minimum Initial Premium Premium Bonus Free Withdrawals Surrender Charge Period Guaranteed Withdrawal Benefit Death Benefit Enhanced Death Benefit Impairment Protection Nursing Home Waiver Unemployment Waiver Terminal Illness Waiver
FG AccumulatorPlus 10 and 14SM 0-85 Flexible Premium $10,000 N/A 10% Account Value, Year 2+ 10 or 14 years Yes Yes N/A N/A Yes Yes Yes
FG Index-Choice 10SM 0-85 Flexible Premium $10,000 3% 10% Account Value, Year 2+ 10 years Yes Yes N/A N/A Yes Yes Yes
Prosperity Elite 7, 10 and 14SM 0 - 85 Flexible Premium $10,000 N/A 10% Account Value, Year 2+ 7, 10 or 14 years N/A Yes N/A N/A Yes Yes Yes
Prosperity Elite 7, 10 and 14 with Enhancement PackageSM 0 - 85 Flexible Premium $10,000 2% - 7 year
4% - 10 year
5% - 14 year*		 10% Account Value, Year 2+ 7, 10 or 14 years N/A Yes Yes N/A Yes Yes Yes
Prosperity Elite 7, 10 and 14 with Protection PackageSM 0 - 85 Flexible Premium $10,000 4% - 7 year
7% - 10 year
8% - 14 year*		 10% Account Value, Year 2+ 7, 10 or 14 years Yes Yes Yes Yes Yes Yes Yes
FGNY Index-Choice 10SM
 0-85
 Flexible Premium
 $10,000
 2%
 10% premium, Year 2+
 10 years
 N/A
 Yes
 N/A
 N/A
 Yes
 Yes
 Yes
FGNY Index-Safety 7SM  0-85  Flexible Premium  $10,000  N/A  10% premium, Year 2+  7 years  N/A 
 Yes  N/A  N/A  Yes  Yes  Yes 

 

*The premium bonus for Prosperity Elite products series is a vesting bonus.



Subject to state availability. Certain restrictions may apply. Optional provisions and riders may have limitations, restrictions and additional charges.