Ability to withdraw
You may withdraw your money at any time. We know you may have unexpected opportunities or expenses. You’ll have penalty- free access to 10% of the vested account value in starting in year 2. Any other withdrawals will incur withdrawal charges. These consist of surrender charges and MVA.
7‐year 1
1
2
3
4
5
6
7
8+
AR, AZ, CO, DC, FL (0‐64), GA, HI, IA, IL, IN, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH, NM, RI, SD, TN, VA, VT, WI, WV, WY AK, AL, CA, DE, ID, FL (65+), MA, MN, MS, MT, NJ, NV, OH, OK, OR, PA, PR, SC, TX, UT, WA
10% 9% 8% 7% 6% 5% 4% 0%
9% 9% 8% 7% 6% 5% 4% 0%
10‐year 1
1
2
3
4
5
6
7
8
9 10 11+
AR, AZ, CO, DC, FL (0‐64), GA, HI, IA, IL, IN, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH, NM, RI, SD, TN, VA, VT, WI, WV, WY AK, AL, CA, DE, ID, FL (65+), MA, MN, MS, MT, NJ, NV, OH, OK, OR, PA, PR, SC, TX, UT, WA
12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 0%
9% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0%
14‐year 2
1
2
3
4
5
6
7 8 9 10 11 12 13 1415+
AR, AZ, CO, DC, FL (0‐64), GA, HI, IA, IL, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH, NM, RI, SD, TN, VA, VT, WI, WV, WY
14.75% 13.75% 12.75% 11.75% 10.75% 10% 9% 8% 7% 6% 5% 4% 3% 2% 0%
IN
12.5% 12.5% 12% 11% 10%
9% 8% 7% 6% 5% 4% 3% 2% 1% 0%
Annuitization
You don’t have to worry about outliving your assets – you always have the option of annuitizing your contract, which means turning your annuity into scheduled payments for life. If you keep your contract until its maturity date, you must annuitize it then. The maturity date of your Prosperity Elite 7 contract is set when the contract is issued.
1 Prosperity Elite 7 and 10 are not available in CT or NY. 2 Prosperity Elite 14 is not available in AK, AL, CA, CT, DE, FL (65+), ID, MA, MN, MS, MT, NJ, NV, NY, OH, OK, OR, PA, PR, SC, TX, UT or WA.
10
ADV 1986 (02-2019)
Fidelity & Guaranty Life Insurance Company
Rev. 11-2022 22-0243
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