Other considerations
Guaranteed income
Safe Income Advantage provides you with income for life as guaranteed withdrawal payments. If you haven’t made excess withdrawals in any year, payments will never run out, no matter how long you live, even if your account value is depleted. You may begin guaranteed withdrawal payments any time after issue, if you are at least 50 years old. The time to start is up to you, and you may stop income payments, and restart them later. The payment amount is determined by the income base of your account at the time you begin withdrawal payments, your age at that time and how long you’ve been in the product. The income base is different from your account value and cannot be surrendered or withdrawn. Your guaranteed withdrawal payments may increase if you become impaired to the extent you are unable to perform at least two out of six activities of daily living. There are defined terms, and may vary from state to state. Increased payments will continue until your account value is depleted or the impairment no longer qualifies you for the benefit. Payments then revert to the guaranteed withdrawal payment. The cost of the enhanced guaranteed withdrawal payment benefit is 1.15% of the income base, and is deducted from your account value on each policy anniversary. Excess withdrawals reduce guaranteed withdrawal amounts.
Interest crediting options You may change allocation
Choose from several options for earning interest to your account value on your premium:
Fixed interest option (with a guaranteed rate) Index crediting options tied to market indexes: • Balanced Asset 5 Index™ • BlackRock Market Advantage Index • S&P 500 ®
among the interest options at the end of index crediting periods.
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Fidelity & Guaranty Life Insurance Company
ADV2780 (03-2022)
Rev. 11-2023 23-1448
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