ForeIncome II fixed index annuity

Build a “retirement paycheck” for life

Your retirement could last 30+ years.

ForeIncome can help protect your retirement income from running out.

What do you get from ForeIncome?

You get guaranteed lifetime income1,2

ForeIncome can provide you with extra income that you can’t outlive.

Your spouse can too

Your spouse may be able to continue to get lifetime income after you pass.

And a way to help guarantee your legacy

Your beneficiaries may get any remaining contract value as a death benefit.

ForeIncome gives you two Withdrawal Base growth options.

Option 1

Steady, predictable lifetime income.

The Guaranteed Income Builder Benefit offers predictable annual Withdrawal Base growth to help build your future "paycheck." This growth to Withdrawal Base will continue every year until the earlier of 20 years, or until income is activated. At the time you decide to activate income, ForeIncome offers you the flexibility to choose between two options for Lifetime Annual Payments. Your age at income activation, if you choose to include your spouse, along with the Payment Option you select, will determine the income payment you can receive every year (assuming no excess withdrawals).2,4,6.7 A Level Payment Option provides level payments for life, or the Lifestyle Payment Option * is designed to provide a higher level of income during the early years of retirement, when your spending habits are typically at their highest and then decreasing income when income needs are generally lower.

Your financial professional can provide you more details and can help you decide which option works best for your unique needs.

* Available for election until age 70. If an election has not been elected by age 70 the Benefit is defaulted to the Level Payment Option.

Lifestyle Payment Option currently not available in California.

Option 2

Steady income with growth potential.

The Income Multiplier Benefit offers the potential for greater interest crediting to your Withdrawal Base to help build your future "paycheck." Once income begins, there is the potential for further interest credits to be added to the Withdrawal Base at the end of each Strategy Term, creating the potential for increased income payments to help handle increased costs during retirement. And, income payments will never decrease (assuming no excess withdrawals).2,3,4,6,7,8

Under either option above, the Withdrawal Base at issue equals your premium payment. It is important to note that the Withdrawal Base is separate from contract value and is not available for cash surrender or as a death benefit.

Double your income for a healthcare setback.

At no added cost, ForeIncome includes the Income Enhancement Benefit that will double your guaranteed annual income amount for up to five years if you're unable to perform two or more Activities of Daily Living (ADLs).8,9 ADLs are things like eating, bathing or simply getting dressed. Getting the care you need can be expensive. But even when you're down, this built-in feature can help keep your retirement journey on track.

Your growth is also tax-deferred.

Your money grows faster with ForeIncome because any growth is tax-deferred until you start taking withdrawals.

Watch this video and see how tax-deferred growth may help you reach your retirement goals.

And you’ll never see market losses. Ever.

When you buy a ForeIncome annuity, you’re not investing in the stock market. Instead, your growth potential is linked to an interest crediting method that may be linked to an index like the S&P 500. Watch this video and see how that works.

Want more information?

Ready to add ForeIncome to your retirement strategy?

Talk to your financial professional about ForeIncome today and share this page when you do.