October 2023

ForeInvestors Choice Rates

ForeInvestors Choice

Variable Annuity

Issued by Forethought Life Insurance Company

Current Interest Rates - Effective 01/01/2021

Bold Text indicates a change in rates.

Fixed Account1,2


DCA Plus 6-Month Transfer Program1 DCA Plus 12-Month Transfer Program1

Credited Rate


Effective 6-Month Program Return


Credited Rate


Effective 6-Month Program Return


3-Year Guaranteed Account1 5-Year Guaranteed Account1

Credited Rate


Credited Rate


1Available on B-Share only.
2The Fixed Account Rate shown is applicable to new investments only.

This material is intended to provide educational information regarding the features and mechanics of the product and is intended for financial professional use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment

Under the DCA Plus Transfer Program, the stated interest rate is not earned on the entire premium payment amount due to regular transfers to the chosen investment options that will affect the daily accrual, lowering the effective yield.

Program Return is based on your initial deposit after the completion of your DCA Plus Transfer Program.

The DCA Plus Transfer Program and rates shown should not be used to make a decision to purchase a variable annuity. One should only consider buying a variable annuity if it makes sense because of the annuity’s other features, such as lifetime income payments and death benefit protection. As with any variable annuity, the investment return and principal value of an investment will fluctuate; therefore and investor’s units, when redeemed, may be worth more or less than their original cost.

Because Dollar Cost Averaging (DCA) involves continuous investing regardless of fluctuating price levels, your clients should carefully consider their financial ability to continue investing through periods of fluctuating prices. Continuous or periodic investment plans neither assure a profit nor protect against loss in declining markets.

Any interest credited to amounts your clients allocate to the Fixed Account in excess of the minimum guaranteed interest rate will be determined at our sole discretion. Your clients assume the risk that interest credited to the Fixed Account may not exceed the minimum guaranteed interest rate for any given year. While we do not charge a separate fee for investing in the Fixed Account, our expenses associated with offering this feature are factored into the Fixed Account credited rates.

Variable annuities are long-term investments intended for retirement purposes that offer tax-deferral, professionally managed investment options and flexible payouts. Values will fluctuate with investment performance, and the annuity may gain or lose value. Charges and fees will also reduce its value. Optional benefits are not available for purchase outside of a variable annuity and may be elected at an additional cost. A standard death benefit is included in the base product. Suitability and willingness to purchase the variable annuity must be considered prior to the potential benefits of any optional features.

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

The ForeInvestors Choice Variable Annuity is available in multiple share classes, which each have different fees and charges as described in the prospectus. Financial professionals’ commissions may also differ depending upon the share class selected. You should discuss which share class is right for your clients based on the available options. Important share class considerations include, but are not limited to, investment holding period and investment flexibility.

Withdrawals will reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal.

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.

The ForeInvestors Choice variable annuity is issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. ForeInvestors Choice is underwritten and distributed by Global Atlantic Distributors, LLC.

Sale of a variable annuity requires the use of the appropriate and current prospectus, available through your wholesaler. The prospectus contains detailed information including investment objectives, risks, and charges and expenses. Please have your clients read the prospectus carefully before they invest or send money.

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

Global Atlantic Financial Group (Global Atlantic) is the marketing name for The Global Atlantic Financial Group LLC 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. These subsidiaries are not authorized to do business in New York.

Global Atlantic Portfolios are distributed by Global Atlantic Distributors, LLC, member FINRA/SIPC.


(01-01-2021) 1554525.2
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