SecureFore 3 offers principal protection and death benefit proceeds for beneficiaries. In addition, there are other built-in and optional benefits available with this product to help protect your money.
There are no monthly or annual fees for this contract. 100% of the money with which you purchase your annuity is credited to your contract value (less prior withdrawals and less withdrawal charges on any prior withdrawals). The money is 100% guaranteed* if held to the end of the withdrawal charge period. Your beneficiaries are eligible to receive a death benefit equal to the full contract value without incurring any withdrawal charges. Upon your death, and without the potential delays and costs of the probate process, your designated beneficiaries will receive your entire contract value. The standard death benefit allows your beneficiaries to receive a lump-sum payment or a stream of payments to be distributed during a specific period of time.
Principal protection
Death benefit
If this optional benefit is available and selected when your policy is issued, you are guaranteed* to receive at least your original premium, less any prior withdrawals, should you choose to surrender your contract.
Return of premium
Should you suffer from a terminal illness, any withdrawal charges will be waived on any portion of the contract value that is withdrawn after the first contract anniversary.
Terminal Illness Waiver**
Nursing Home Waiver**
If you should become confined to an approved nursing facility for at least 90 consecutive days, withdrawal charges on any portion of the contract value withdrawn will be waived.
* Guarantees are based on the claims-paying ability of Forethought Life Insurance Company. ** Receipt of proof as identified in the waiver riders attached to the annuity contract is required to qualify for these benefits. Subject to state variations and availability. In California, Delaware, Florida and North Dakota, the Nursing Home Waiver Rider confinement period is at least 60 consecutive days and is not available until on or after the first contract anniversary.
FA7401
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