February 2024

ForeStructured Growth Advisory Rates

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ForeStructured Growth Advisory

Registered Index-Linked Annuity | I-Share

Issued by Forethought Life Insurance Company

Current Rates - Effective 11/28/2023

Bold Text indicates a change in rates.

1-Year Strategy Term Premium Amount

10% Buffer

S&P 500® NASDAQ -100® Fidelity US Corporate Strength Franklin US Equity UBS Climate Aware Equity

Index Cap

$100K

< $100K

20.00%

19.00%

26.00%

25.00%

17.00%

16.00%

17.00%

16.00%

17.00%

16.00%

Participation Rate

$100K

< $100K

85.00%

80.00%

75.00%

70.00%

80.00%

75.00%

80.00%

75.00%

80.00%

75.00%

1-Year Strategy Term Premium Amount

20% Buffer

S&P 500® NASDAQ -100®

Index Cap

$100K

< $100K

13.50%

13.00%

17.00%

16.50%

6-Year Strategy Term Premium Amount

20% Buffer

S&P 500® Fidelity US Corporate Strength Franklin US Equity UBS Climate Aware Equity

Index Cap

$100K

< $100K

500.00%

400.00%

200.00%

150.00%

200.00%

150.00%

200.00%

150.00%

Participation Rate

$100K

< $100K

120.00%

115.00%

105.00%

100.00%

105.00%

100.00%

105.00%

100.00%

1-Year Fixed Strategy Premium Amount

Interest Rate

Interest Rate

$100K

< $100K

4.25%

4.00%

S&P 500® Adaptive Floor1 1-Year Strategy Term Premium Amount

Index Cap

Index Cap

$100K

< $100K

15.00%

14.75%

S&P 500® 0% Floor 1-Year Strategy Term Premium Amount

Index Cap

Index Cap

$100K

< $100K

8.75%

7.75%

S&P 500® Tiered Participation 6-Year Strategy Term Premium Amount

5% Buffer

10% Buffer

Tier One Tier Two Tier Level Tier One Tier Two Tier Level

Participation Rate

$100K

< $100K

100.00%

100.00%

140.00%

135.00%

10.00%

10.00%

100.00%

100.00%

135.00%

130.00%

20.00%

20.00%

Products and features are subject to state and firm availability and variations.

This strategy is referred to as the Aggregate Floor in the prospectus.

For more information, contact
your financial professional today.

globalatlantic.com

This material is intended to provide educational information regarding the features and mechanics of the product and is intended for use with the general public. 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.

 

This material is authorized for distribution only when accompanied or preceded by a prospectus and an applicable product brochure for the annuities being offered. The prospectus contains features, benefits, risks, fees, and other information regarding the registered index-linked annuity contract, which should be considered carefully before investing. You should read the prospectus carefully before investing money.

Registered indexed-linked annuity products are complex insurance and investment vehicles. There is risk of loss of principal. Early withdrawals may be subject to withdrawal charges and a market value adjustment. Please refer to the prospectus for other important information including any risks about the product.

ForeStructured Growth registered index-linked annuity is issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. ForeStructured Growth is available with Contract FA1901SPDAX-01 and rider forms FA4131-01, FA4132-01, FA4133-01, FA4134-01, ICC14-FL-FIATI, ICC14-FL-FIANC FA4125-01, FA4126-01, FA4127-01, FA4128-01, FA4129-01, FA4130-01. ForeStructured Growth is underwritten and distributed by Global Atlantic Distributors, LLC. 

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

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 a tax or legal counsel for advice.

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.

If you are investing in a registered index-linked annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a RILA. Under these circumstances, you should only consider buying a RILA if it makes sense because of the annuity’s other features.

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.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY FORETHOUGHT LIFE INSURANCE COMPANY, OWNERS OF THE FORETHOUGHT FIXED INDEX ANNUITY, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND FORETHOUGHT LIFE INSURANCE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

Nasdaq-100 Index®, is a registered trademark of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Forethought Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

UBS AG AND ITS AFFILIATES (“UBS”) DO NOT SPONSOR, ENDORSE, SELL, OR PROMOTE FORESTRUCTURED GROWTH. A DECISION TO INVEST IN THE ANNUITY SHOULD NOT BE MADE IN RELIANCE ON ANY OF THE STATEMENTS SET FORTH IN THIS MARKETING MATERIAL. PROSPECTIVE INVESTORS ARE ADVISED TO MAKE AN INVESTMENT IN THE ANNUITY ONLY AFTER CAREFULLY CONSIDERING THE RISKS ASSOCIATED WITH INVESTING IN THE ANNUITY, AS DETAILED IN THE PROSPECTUS THAT IS PREPARED BY OR ON BEHALF OF FORETHOUGHT LIFE INSURANCE COMPANY (“Licensee”), THE ISSUER OF THE ANNUITY. UBS HAS LICENSED CERTAIN UBS MARKS AND OTHER DATA TO Licensee FOR USE IN CONNECTION WITH THE ANNUITY AND THE BRANDING OF THE ANNUITY, BUT UBS IS NOT INVOLVED IN THE CALCULATION OF THE ANNUITY, THE CONSTRUCTION OF THE ANNUITY’S METHODOLOGY OR THE CREATION OF THE ANNUITY, NOR IS UBS INVOLVED IN THE SALE OR OFFERING OF THE ANNUITY, AND UBS DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE ANNUITY.

The Fidelity Product Services LLC U.S. Corporate Strength Index (the “Index”) is an equity index, offering exposure to approximately 100 large and mid- cap stocks and is a product of Fidelity Product Services LLC (“FPS”). Fidelity is a trademark of FMR LLC. The Index has been licensed for use by Forethought Life Insurance Company in connection with the FORESTRUCTURED GROWTH Registered Index-Linked Annuity. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of Forethought Life Insurance Company, FORESTRUCTURED GROWTH, or owners of FORESTRUCTURED GROWTH. FORESTRUCTURED GROWTH is not sold, sponsored, endorsed or promoted by FPS or any other party involved in, or related to, making or compiling the Index. Forethought Life Insurance Company exercises sole discretion in determining whether and how FORESTRUCTURED GROWTH will be linked to the value of the Index. FPS does not provide investment advice to owners of FORESTRUCTURED GROWTH, nor to any other person or entity with respect to the Index and in no event shall any FORESTRUCTURED GROWTH contract owner be deemed to be a client of FPS.

Neither FPS nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to Forethought Life Insurance Company with respect to FORESTRUCTURED GROWTH. Neither FPS nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or FORESTRUCTURED GROWTH particularly.

FPS disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. FPS shall have no responsibility or liability whatsoever with respect to FORESTRUCTURED GROWTH.

The Franklin US Equity Index (the “Index”), is calculated and maintained by FTSE Russell which aims to reflect the performance of a Franklin Templeton strategy. The Index is licensed for use by Forethought Life Insurance Company (“Forethought”). Forethought’s annuity products are not in any way sponsored, endorsed, sold or promoted by Franklin Templeton, Russell or the London Stock Exchange Group companies (“LSEG”) (together the “Licensor Parties”) and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of an Index (upon which Forethought’s annuity products are based), (ii) the figure at which an Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of an Index for the purpose to which it is being put in connection with the Forethought annuity product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to an Index to Forethought or to its clients. Each Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in an Index or (b) under any obligation to advise any person of any error therein. Franklin Templeton®, Franklin®, Franklin US Equity Index and the corresponding logos are trademarks of Franklin Templeton. Frank Russell Company (“Russell”) is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell® is a trademark of Frank Russell Company.

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

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.

RLA1040
(11-28-2023) 3953832.1
© 2024 Global Atlantic