This document is not a legal contract. For the exact terms and conditions, refer to the annuity contract, which is issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Fidelity & Guaranty Life Insurance Company offers a diverse portfolio of fixed and fixed indexed deferred annuities, immediate annuities and optional additional features. Annuities are long-term vehicles to help with retirement income needs. Before purchasing, consider your financial situation and alternatives available to you. Visit us at fglife.com for more information, and consult a financial or insurance professional who can help you determine the alternatives for your goals and needs. Form numbers: FGL SPDA-MY-F (7-04), FGL SPDA-MY-F-C(6-04), ICC14-1095(06-14). FGL WSC-NH-C (3-99), FGL WSC-TI-C (3-99), FGL WSC-DOO-C(2001), FGL MVAR-MYGA-87.5-F-C(3-04), FGL FS-I-C (2001), ICC11-1052(11-11), ICC11-1044(11-11), ICC11- 1045(11-11), ICC11-1043(11-11), ICC14-1096(06-14), ICC14- 1101(06-14). This product is a single premium, deferred fixed annuity that provides a minimum guaranteed surrender value. You should understand how the minimum guaranteed surrender value is determined before purchasing an annuity contract. There is a 30-day window at the end of each 3-, 5- or 7-year guarantee period where your client may withdraw all or part of the
annuity value without application of surrender charges or market value adjustment. A new guarantee period and surrender charge period will begin after the end of the previous ones. Interest rates are subject to change. The provisions, riders and optional additional features of this product have limitations and restrictions and are subject to change. Contracts are subject to state availability, and certain restrictions may apply. See the SOU for details. F&G may change your annuity contract from time to time, to follow federal and state laws and regulations. If this happens, we’ll tell you about the changes in writing. This product is offered on a group or individual basis, subject to state approval. For group contracts, the group certificate and master contract provide the terms and conditions, which are subject to the laws of the issuing state. Surrender charges and an MVA may apply to withdrawals. An MVA may increase or decrease the surrender value. Withdrawals may be taxable and may be subject to penalties prior to age 59 ½. Withdrawals will reduce the available death benefit. Information provided regarding tax or estate planning should not be considered tax or legal advice. Consult your own tax professional or attorney regarding your unique situation. Please contact us at 888.513.8797 or visit us at fglife.com for more information.
No bank guarantee.
Not FDIC/NCUA/NCUSIF insured.
May lose value if surrendered early.
888.513.8797 fglife.com F&G offers our series of focused life insurance and annuity products through a network of independent marketing organizations (IMOs) and financial or insurance professionals. We pay the IMO, financial or insurance professional, or firm for selling the annuity to you, and factor that into our contract pricing. Their compensation isn’t deducted from your premium. Insurance products are offered through Fidelity & Guaranty Life Insurance Company in every state, other than New York, as well as the District of Columbia and Puerto Rico. In New York,
products are offered through a wholly owned subsidiary, Fidelity & Guaranty Life Insurance Company of New York. Each company is solely responsible for its contractual obligations. As a legal reserve company, we’re required by state regulation to maintain reserves equal to or greater than guaranteed surrender values. Ask your financial or insurance professional today about F&G and let’s get to work ensuring you have a bright tomorrow.
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