Positioning
Mid-market FIA with competitive caps and a flexible income rider option. F&G is a meaningful issuer in the indexed annuity market.
Contract terms at a glance
Crediting methods available
- Annual point-to-point with cap
- Annual point-to-point with participation rate
- Monthly sum
See How fixed indexed annuities work for how each method works.
Riders
- Optional income rider with benefit base roll-up
- Standard death benefit
Best fit
- Consumers seeking competitive FIA caps from a mid-tier issuer
- Allocations combining accumulation with optional income flexibility
What to watch for
- Rate cards update periodically; current caps should be verified at quote time
- Income rider terms drive long-term lifetime income value
Cap rates, participation rates, rider charges, and surrender schedules change frequently. Before purchase, request and verify the following from the carrier or producer:
- Current caps and participation rates by strategy
- Income rider charge
- Benefit base roll-up rate and duration
- Income withdrawal rate by age
How to verify and source current information
- Current rate card and product brochure: F&G direct or through a licensed independent producer.
- Statement of understanding (annuity contract disclosure document).
- For variable and indexed variable annuities: the SEC-registered prospectus (search EDGAR).
- Carrier financial strength ratings: A.M. Best, S&P Global Ratings, Moody's, Fitch.
- NAIC carrier search and statutory filings: content.naic.org.
- IRS Publication 575 (Pension and Annuity Income) for taxation: IRS Pub 575.
AnnuityMatchPro does not endorse, recommend, or sell the F&G Pathsetter. This review is informational. Product features, surrender schedules, caps, participation rates, and rider charges vary by issue date, state, and underwriting. Confirm specific terms with the carrier or a licensed advisor before purchase. AnnuityMatchPro is not a registered investment adviser and is not a licensed insurance agency.