Products

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» ForeCare

Help your clients defray long-term care costs without destroying savings.

» SecureFore 3

Three-year guaranteed rate schedule with a three-year surrender charge period.

» SecureFore 5

Five-year guaranteed rate schedule with a five-year surrender charge period.

 

» Income 150+

Includes three potential income boosts to help sweeten your client's income benefits.

» Income 125+

Provides an initial income bonus equal to 25% of premium, as well as a guaranteed lifetime income feature that grows at a rate of 5% annually for the first 10 years or until your client decides to take income (assuming no withdrawals). 

» Index Bonus 115

Provides an initial income bonus equal to 15% of premium, as well as a guaranteed lifetime income feature that grows at a rate of 6% annually for the first 10 years or until your client decides to take income (assuming no withdrawals).

» ForeFreedom Savers

Offers the choice of six interest crediting methods, including one fixed rate strategy.

» ForeSpending Select

Provides a guaranteed lifetime income stream for your client's retirement needs, assuming no excess withdrawals. Clients can also elect a 7% Premium Bonus to further leverage interest crediting potential. The bonus is subject to recapture during surrender charge period.

» Choice Income

Choice Income fixed index annuity includes a guaranteed lifetime income feature (assuming no excess withdrawals) with a choice at issue for Withdrawal Base growth (which applies until activation date) -- 10% of premium (adjusted for withdrawals), or 7.5% of premium (adjusted for withdrawals) plus additional dollar amount of interest credits for the year, minus withdrawals.

» Choice Accumulation

Clients choose from five crediting strategies, one fixed and four index-based strategies that are linked to the performance of a specific index.

 

 

 

Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product’s benefit rules, as applicable

Products and optional features are subject to state and firm availability. State variations may apply.

Income Base/Withdrawal Base is not available for surrender or as a death benefit and that income bonuses, boosts, and income base growth do not apply to the contract value.

A life and health license is required to sell ForeCare. Some states may also require long-term care certification. Underwriting, typically completed at the point-of-sale, is also necessary. To invoke ForeCare’s long-term care benefits, the Insured must be unable to perform at least two of the six Activities of Daily Living as determined by a licensed health care professional.

Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Distributions received from a non-qualified contract before the Annuity Commencement Date are taxable to the extent of the income on the contract. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals will reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your tax or legal counsel for advice.

The “S&P 500 Index” is a product of S&P Dow Jones Indices LLC (“SPDJI”) and has been licensed for use by Forethought Life Insurance Company. Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Forethought Life Insurance Company. Forethought Fixed Index Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the Forethought Fixed Index Annuity or any member of the public regarding the advisability of investing in securities generally or in Forethought Fixed Index Annuity particularly or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices only relationship to Forethought Life Insurance Company with respect to the S&P 500 Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to Forethought Life Insurance Company or the Forethought Fixed Index Annuity. S&P Dow Jones Indices have no obligation to take the needs of Forethought Life Insurance Company or the owners of Forethought Fixed Index Annuity into consideration in determining, composing or calculating the S&P 500 Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of Forethought Fixed Index Annuity or the timing of the issuance or sale of Forethought Fixed Index Annuity or in the determination or calculation of the equation by which Forethought Fixed Index Annuity is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of Forethought Fixed Index Annuity. There is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to Forethought Fixed Index Annuity currently being issued by Forethought Life Insurance Company, but which may be similar to and competitive with Forethought Fixed Index Annuity. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the S&P 500 Index.

Choice Accumulation fixed index annuity is issued by Forethought Life Insurance Company and available in most states with contract FL-FIA-13 and ICC14-FL-FIA.

Choice Income fixed index annuity is issued by Forethought Life Insurance Company and available in most states with contract FL-FIA-13 and ICC14-FL-FIA.

ForeFreedom Savers is issued by Forethought Life Insurance Company, 300 North Meridian St, Suite 1800, Indianapolis, IN 46204. Forethought Life Insurance Company is a subsidiary of Global Atlantic Financial Group Limited. ForeFreedom Savers is available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable).

ForeSpending Select is issued by Forethought Life Insurance Company, 300 North Meridian St, Suite 1800, Indianapolis, IN 46204. Forethought Life Insurance Company is a subsidiary of Global Atlantic Financial Group Limited. ForeSpending Select is available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable).

Income 125+fixed index annuity is issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with contract FA2001SPDAX-01, FA2001SPDAXL-01, and ICC13-FA2001SPDAX-01 (certificate series GA2001SPDAX-01, as applicable).

Income 150+fixed index annuity is issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with Contract FA1201SPDAX-01, FA1201SPDAX-02, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable).

Index Bonus 115 fixed index annuity is issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with contract FA2001SPDAX-01, FA2001SPDAXL-01 and ICC13-FA2001SPDAX-01 (certificate series GA2001SPDAX-01, as applicable). Read the contract for complete details. Products and features are subject to state availability.

ForeCare fixed annuity is issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with contract FA1101SPDA-01 (certificate series GA1101SPDA-01, as applicable) with Rider for Long Term Care Benefits Form LTC2000-01, Optional Inflation Protection Benefit Rider Form LTC2001-01 and Optional Nonforfeiture Benefit Rider Form LTC2002-01 (certificate series LTCG2000-01, LTCG2001-01 and LTCG2002-01, as applicable). This is a solicitation of LTC insurance.

*The ForeCare Multiplier provides two or three times (subject to underwriting eligibility) the amount of the contract value in long-term care (LTC) coverage to spend on actual incurred qualified LTC expenses (monthly reimbursement limits apply). These benefits are only available to use for a qualified LTC expense and will not become part of the contract value or death benefit. Withdrawals, other than for qualified LTC expenses, will adversely affect the amount of future coverage.

SecureFore fixed annuities are issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with contract

Products and features are subject to state availability and variations. Read the Contract for complete details.

Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations.

Indices are not available for direct investment.

FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.

 

Not a bank deposit Not FDIC/NCUA insured Not insured by any federal government agency No bank guarantee May lose value Not a condition of any bank activity

 

 

 

 

 

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