Positioning
Accumulation-focused FIA. The contract is designed for consumers who want indexed growth with principal protection, with income riders optional rather than embedded.
Contract terms at a glance
Crediting methods available
- Annual point-to-point
- Annual point-to-point with participation rate
See How fixed indexed annuities work for how each method works.
Riders
- Optional income rider
- Standard death benefit
Best fit
- Consumers prioritizing accumulation over income guarantees
- Allocations where the income feature is not the primary goal
What to watch for
- Optional rider must be elected at issue; some terms cannot be added later
- Cap rates declared at the start of each crediting period within the renewal range
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
- Optional rider charge level
- Surrender schedule and MVA terms
- Death benefit treatment
How to verify and source current information
- Current rate card and product brochure: Global Atlantic 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 Global Atlantic Choice Accumulation. 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.