F&G
Key Company Metrics
AM Best Rating: A (Excellent)
Years in Business: 66 Years
Direct Premiums Sold: $14.7 million
Product Availability: Fixed, Immediate
“F&G is consistent and easy to work with. They’re well-known for competitive MYGA rates and fast turnaround times.”
– Annuity.org Agent Poll Insight
F&G Product Types & Features
F&G offers a wide range of annuities, but its strength lies in fixed index annuities (FIAs). These products combine growth potential with protection from market losses and include customer-friendly features like nursing home and terminal illness waivers and penalty-free withdrawals of up to 10% after year one.
F&G Safe Income Advantage® FIA
The Safe Income Advantage® is one of F&G’s core products. It offers access to three different indexes with 10 crediting strategies. The surrender period lasts 10 years, and payout options include level lifetime payments, increasing payments by a set percentage, or payments that rise with inflation.
Who It Works Best For: Janet, 67, wants income she can count on for life, but also worries about inflation. Safe Income Advantage® gives her the option to choose inflation-linked payouts, so her income won’t lose purchasing power over time.
F&G Power Accumulator® FIA
The Power Accumulator® is geared toward growth and variety. It provides access to four ETFs or two blended indexes, giving savers more flexibility in how their annuity earns returns.
Who It Works Best For: Robert, 60, is still working but wants to protect and grow his savings without taking on stock market risk. Power Accumulator® offers multiple index choices and strong accumulation potential while preserving his nest egg.
Performance Pro® FIA
The Performance Pro® provides an upfront boost with premium bonuses that go up to 17%, depending on your age and state of residence. It also includes access to multiple indexes and crediting strategies.
Who It Works Best For: Linda, 64, is rolling over her IRA and wants to maximize her starting balance. With a 10% premium bonus, Performance Pro® gives her an immediate head start while still offering growth potential.
Accelerator Plus® and Prosperity Elite® FIA
The Accelerator Plus® and Prosperity Elite® are versatile FIAs that combine accumulation features with premium bonuses. Both products provide a wide range of crediting strategies and flexible withdrawal features, along with standard waivers for health events.
Who They Work Best For: Thomas, 62, wants a product that blends growth opportunities with bonus features. Accelerator Plus® and Prosperity Elite® give him upfront incentives and long-term options to customize his retirement income.
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Side-by-Side Comparison of F&G FIAs
| Feature | Safe Income Advantage® | Power Accumulator® | Performance Pro® | Accelerator Plus® | Prosperity Elite® |
|---|---|---|---|---|---|
| Index Options | 3 | Multiple | Multiple | Multiple | Multiple |
| Premium Bonus | None | None | Up to 17% | Yes | Yes |
| Payout Options | Lifetime, inflation-linked | Growth-focused | Growth + bonus | Growth + bonus | Growth + bonus |
| Best Fit | Retirees seeking guaranteed lifetime income | Pre-retirees seeking accumulation | Retirees who want an upfront bonus | Balanced savers | Balanced savers |
- If you want a guaranteed lifetime income that can adjust for inflation, consider Safe Income Advantage®.
- If you want multiple growth strategies with downside protection, consider Power Accumulator®.
- If you want an upfront boost to your account value, consider Performance Pro®.
- If you want balanced growth with bonus and flexibility features, consider Accelerator Plus® or Prosperity Elite®.
Explore the Best Rates from F&G
Choosing an annuity can feel overwhelming, so we’ve simplified things by highlighting F&G’s top annuity rates. These products showcase the company’s strongest yields, giving you a clear starting point as you explore how to turn your savings into reliable retirement income.
| Term | Product | AM Best Rating | Rate |
|---|---|---|---|
| 5 Years | F&G Secure MYGA® MVA | A | 5.20 % |
| 5 Years | FG Guarantee-Platinum | A | 5.20 % |
| 7 Years | F&G Secure MYGA® MVA | A | 5.20 % |
Buy an Annuity From F&G Today
If you’d like to see how F&G’s annuities compare, our side-by-side guide makes it simple. You can review indexes, growth features, bonuses, and payout options all in one place — explained in plain language — so you can feel confident choosing the product that aligns with your retirement goals.
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| Product |
Rate
|
Guarantee Period
|
Surrender Period
|
AM Best Rating
|
|---|---|---|---|---|
F&G Secure MYGA® MVA |
5.20% | 5 Years | 5 Years | A |
|
F&G Secure MYGA® MVA |
5.20% | 7 Years | 7 Years | A |
|
F&G Secure MYGA® MVA |
4.90% | 3 Years | 3 Years | A |
|
F&G Secure MYGA® Non-MVA |
4.50% | 3 Years | 3 Years | A |
|
F&G Secure MYGA® Non-MVA |
5.00% | 5 Years | 5 Years | A |
Customer Satisfaction and Complaint History
F&G is a long-established provider with more customer satisfaction data available than many newer companies.
The company ranked first overall in the 2023 J.D. Power Customer Satisfaction Index Ranking, a notable achievement among annuity providers. In 2024, its ranking shifted to seventh place overall, but it remains among the industry’s stronger performers. The 2025 ranking has yet to be released.
F&G also holds a respectable NAIC Complaint Index Score of 0.10, indicating it receives fewer complaints than is expected for a company of its size.
The NAIC (National Association of Insurance Commissioners) tracks consumer complaints each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint IndexNAIC Complaint IndexDetermined by dividing the company’s share of complaints in the U.S. market by the company’s share of premiums in the U.S. market. The National Complaint Index is always 1.00, so a score of 2.00, for example, is twice as high as expected in the market..
NAIC Complaint Index for F&G
| Individual Annuities Only | 0.10 |
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Manage Your F&G Annuity Online
F&G offers a secure online portal where you can review your contract details, monitor performance, and manage your annuity anytime. Logging in is the quickest way to stay on top of your policy and keep your retirement strategy on track.
Log into your provider account or connect with customer service at (888) 513-8797.
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