Do your clients know how to use the retirement savings you've helped them build for a 30+ year retirement? Use this site to help jump-start the cash flow planning process with them.

See how much income your clients can get with our ForeIncome calculator.

Replacing a paycheck?

Float the idea of lifetime income with your clients

Where will your clients’ income come from in retirement? Get them thinking about their future income sources with this short video.

Live advisor workshop

Talk the way your clients hear

It’s a fact: words matter! This live, one-hour workshop from the Alliance for Lifetime Income will give you and your colleagues new insight on some of the best ways to verbally engage your clients. Just submit your name and email to request this workshop.

Learn what words to use/lose with your clients. Download PDF

Income Insights

See what everyday people think about retirement income

Ready to retire? Sure! Have enough money to last throughout retirement – not so sure. Get your clients thinking about their income sources with this video of everyday people reacting to the concept of protected lifetime income.


Claiming Social Security benefits too early increases chances of poverty later. Plan now.


Create a retirement strategy that can protect them from future unknowns.


Share this with your clients before your next income-planning meeting.

The "A" word

Overcoming annuity perceptions

A fixed index annuity may be the income source your clients need, but some have strong opinions about the “A” word: an annuity. Discover some of the most common client objections and the ways to address them here.

To share these perceptions and realities with your clients, send them the consumer site.

Additional Information Regarding Barron’s Top 100 Annuities Article

A fixed index annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed index annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments or index. Interest is credited based on the performance of the index and the criteria outlined in the index strategy.

Contract owners are not buying shares of any stock or index, even though index performance may indirectly affect contract values. Index-based crediting methods may experience years with 0% crediting. Though crediting is determined, in part, by the performance of an equity index, the credited rate is typically subject to a cap or a spread, performance trigger or participation rate. Additional benefits vary by product and may be subject to charges. Indices are not available for direct investment.

The hypothetical income amounts selected for ForeCertain and ForeIncome II Advisory are not intended to be a complete product illustration inclusive of all potential assumptions and contract owner behavior. Clients should ask their financial professional for a personalized product illustration and additional product material and details.

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

A.M. Best “A, Excellent” rating is the third highest of 13, Fitch “A, Strong” rating is sixth of 19 and Standard and Poor’s “A, Strong” rating is seventh of 21. Ratings apply to the individual financial strength of Accordia Life and Annuity Company, Commonwealth Annuity and Life Insurance Company, First Allmerica Financial Life Insurance Company, Forethought Life Insurance Company, and Global Atlantic Re Limited.

Moody’s A3 rating is seventh of 21 and applies to the individual financial strength of Accordia Life and Annuity Company, Commonwealth Annuity and Life Insurance Company, First Allmerica Financial Life Insurance Company and Forethought Life Insurance Company.

Ratings apply to the issuing companies and do not apply to any specific product or underlying fund. Each individual insurer is solely responsible for the benefits and obligations of the products it issues.

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.

ForeIncome II Advisory, ForeCertain Income Annuity, ForeCertain Advisory Income Annuity are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana.

Product features and optional benefits may not be available in all states or firms. 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. These subsidiaries are not authorized to do business in New York.

Perception 1 - They're too complicated - Click for Answer
Perception: They're too complicated

Fixed Index Annuity reality:

The type of fixed index annuity (FIA) that may fit into your retirement strategy will determine the level of complexity. But no matter the type, here are two main things to keep in mind:

ONE: FIAs offer growth potential with no market-based losses.

TWO: FIAs may also offer protected lifetime income.

Growth potential
With an FIA, you may potentially grow your money through interest that’s credited to your contract. FIA interest crediting may be calculated in one of two ways:

  • 1. AN INDEX-BASED STRATEGY credits interest each crediting strategy term based, in part, on the performance of one or more market indices, such as the S&P 500.1, 2

  • 2. A FIXED-BASED STRATEGY credits a specific, consistent percent of interest each crediting strategy term to the FIA.

Protected lifetime income
An FIA may also offer you the option of building a “retirement paycheck” for life that won’t go down due to down market performance and can’t be outlived.

An objective indicator of changes across a market – or a market sector – based on the performance of representative securities.

An unmanaged index that measures broad-based changes in stock market conditions based on the performance of 500 widely held U.S. common stocks.

FIAs may be subject to market value adjustments (MVAs) and withdrawal charges. FIA protected lifetime income options typically assume no prior withdrawals and compliance with the products’ benefit rules.

1 Indices are typically unmanaged and not available for direct investment.

2 “Standard & Poor’s®”, “S&P®”, “Standard & Poor’s 500™” and “S&P 500®” are trademarks of Standard & Poor’s Financial Services LLC and have been licensed for use by Forethought Life Insurance Company. Fixed index annuities are not endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of purchasing a fixed index annuity contract.
Perception 2 - They tie up my money - Click for Answer
Perception: They tie up my money

Fixed index annuity reality:

Fixed index annuities should be considered long-term insurance products and it’s understandable if you’re worried about tying up your money. But in reality, an FIA may offer you more flexibility than you realize.

For example, FIAs typically allow you to withdraw a percentage (10% is common) of your annuity “contract value” annually after the first year. This is known as a “free withdrawal.”1 Amounts greater than allowed may result in a withdrawal charge, depending on how long you’ve owned the annuity. These charges gradually decline over time until they expire, allowing you full access to your contract value.

Also, many FIAs allow you to access all of your money free of charge if you become terminally ill or need nursing home care.


FIAs typically allow you to withdraw a percentage (10% is common) of your annuity “contract value” annually after the first year.

1Some products refer to this as a surrender charge.
Perception 3 - They're too expensive - Click for Answer
Perception: They’re too expensive

Fixed index annuity reality:

Fixed Index Annuities (FIAs) can offer guaranteed lifetime income that’s protected from negative markets and the cost of this type of benefit is typically built into the product. Considering that guaranteed lifetime income may be something you can’t find with other products, you may find that the cost for such a benefit may be worth the tradeoff.

Also, if you purchase an FIA and wait a few years to start your income, you may have the opportunity to get more income than you would with other annuity types that provide immediate income.
Perception 4 - I might not get my money back - Click for Answer
Perception: I may not get my money back

Fixed index annuity reality:

The value of your fixed index annuity will never go down due to negative market performance since you’re never actually invested in the market. So you won’t lose any of your money if and when the markets drop.

FIAs typically offer the ability to receive guaranteed, predictable lifetime income that won’t run out and you may potentially get back more money in the form of income than you used for your original annuity purchase. Generally, as long as you don't take excess withdrawls, you will continue to receive income for as long as you live, often even if your contract value runs out. And typically, if you elect a joint income option, your spouse will keep getting the same amount of income after you die.

Lastly, if there’s any money left in your annuity when you (and your spouse, if applicable) die, your beneficiaries will typically receive the balance as a standard death benefit.

In summary:

• Your fixed index annuity contract value won’t go down due to negative market performances1
• Your opportunity for guaranteed lifetime income could be more money than what you paid for your fixed index annuity.
• Any remaining contract value gets passed to your beneficiaries as a standard death benefit.

1Early withdrawal charges and Market Value Adjustments (MVAs) may apply.

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

FIAs are insurance contracts, not registered securities or stock market investments. You are never invested in the index itself.

Shareable case studies

Show your clients retirement income strategies in action

Download and share any of these customer stories with your clients.

Naomi Thumbnail


Looking to secure income to help pay for the basics, for as long as she lives.

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Rita and Anthony Thumbnail

Rita & Anthony

Planning for their income needs with a two-pronged approach.

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Luis and Mia Thumbnail

Luis & Mia

Making sure they have income for life, even after one passes.

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Luis and Mia Thumbnail


Seeking income growth potential during his retirement.

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