Today’s Best Global Atlantic Annuity Rates
| Term | Product | AM Best Rating | Rate |
|---|---|---|---|
| 1 Year | ForeCare Fixed Annuity (LTC) | A | 6.00 % |
| 1 Year | ForeCare Fixed Annuity (LTC) | A | 6.00 % |
| 1 Year | ForeCare Fixed Annuity (LTC) | A | 5.50 % |
Ranked as a Best Annuity Company of 2025
Global Atlantic
Our Take
Global Atlantic is a large, financially strong annuity provider with a wide selection of annuity options that address the diverse financial needs and investment strategies of consumers.
Pros
- Diverse annuity options that address wide-ranging consumer needs
- High financial strength rating from annuity rating companies
- Customization and flexibility options
Cons
- Market risks with some annuities
- Diverse options can make it complicated to choose
- Its NAIC Complaint Index may not depict an accurate picture
Compare Global Atlantic Annuity Rates
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| Product |
Rate
|
Guarantee Period
|
Surrender Period
|
AM Best Rating
|
|---|---|---|---|---|
ForeCare Fixed Annuity (LTC) |
5.50% | 1 Years | 9 Years | A |
|
ForeCare Fixed Annuity (LTC) |
5.50% | 1 Years | 7 Years | A |
|
SecureFore 3 |
4.15% | 3 Years | 3 Years | A |
|
SecureFore 5 |
4.90% | 5 Years | 5 Years | A |
|
SecureFore 7 |
5.20% | 7 Years | 7 Years | A |
Additional Products Offered by Global Atlantic
Global Atlantic offers a wide selection of annuity products. This includes five different types of annuities with a total of eight annuity products. Most incorporate the term “Fore” — a reference to the company’s ForeThought Life Insurance subsidiary — to identify the type of annuity customer for whom each may be best suited.
- Fixed index annuities
- – ForeAccumulation II
– ForeIncome II
– Income 150+ SE - Fixed annuities
- – ForeCare
– SecureFore - Register index-linked annuity
- – ForeStructured Growth
- Income annuity
- – ForeCertain
- Variable annuity
- – ForeInvestors Choice
Global Atlantic Annuity Options
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Global Atlantic Fixed Index Annuities
Global Atlantic offers three types of fixed index annuities: ForeAccumulation II, ForeIncome II and Income 150+.
ForeAccumulation II
ForeAccumulation II focuses on helping you grow your money and protect it against market downturns. It also offers an optional death benefit that can go to your loved ones. It requires a $25,000 minimum premium and includes both nursing care and terminal illness waivers.
ForeIncome II
ForeIncome II is designed to provide you with a steady income during retirement. It has two different strategies for growing your income, which can help you plan for the future. It requires a $25,000 minimum premium and includes nursing care, terminal illness and death benefits.
Income 150+
Income 150+ is all about guaranteed income. It also includes a special feature that can give you extra income if you ever need it for health care expenses, and it comes with a death benefit at no additional cost. The minimum initial premium is $10,000.
All these annuities have extra benefits like protection against market losses, tax-deferred growth and options for leaving a legacy. They’re worth considering for anyone focused on a secure retirement.
Global Atlantic Fixed Annuities
Global Atlantic offers two types of fixed annuities called SecureFore 5 and ForCare.
SecureFore
SecureFore is designed for people who want to invest for three, five or seven years and have the flexibility to withdraw their money if needed. It also offers a guaranteed interest rate and has an option to get your premium back. The single premium products require a $10,000 minimum premium.
ForCare
ForCare, on the other hand, is a fixed annuity that offers long-term care benefits, which can help you plan for the future. It provides protection for your investment, tax advantages and the ability to pass on unused funds to your loved ones. With ForCare, you could even receive two- or three-times coverage for qualified long-term care expenses.
Global Atlantic Register Index-Linked Annuity (RILA)
Global Atlantic’s ForeStructured Growth is a retirement savings plan that offers the potential for growth while also reducing risks and providing flexibility.
It requires a $25,000 minimum premium and comes with up to 25 different ways to earn interest, so you can choose what works best for you. It’s designed for people who want to save for retirement over a long period and it offers tax-deferred growth, lifetime income and protection for your loved ones if something happens to you.
While the plan is not directly invested in the stock market, the value of your savings may still go up and down. However, the plan uses historical performance data to determine how much interest you earn, which helps reduce the impact of market changes.
Global Atlantic Income Annuity
Global Atlantic’s ForeCertain income annuity is a retirement plan that guarantees a fixed income for life. This means that you can rely on it to help cover your basic expenses during your retirement years.
It offers flexibility in choosing when you want to start receiving your income, how long you want to receive it and whether you want it just for yourself or for you and your spouse.
It promises to have no complicated account balances or hidden fees, making it easy to plan your finances. You also have the option to customize your annuity with added benefits like an annual increase or return of premium.
Global Atlantic Variable Annuity
InvestorsChoice variable annuity is designed to help you grow your money in a way that suits your individual goals. It has 94 investment options, giving you plenty of choices to help you reduce your risk by spreading your money across different types of investments.
There’s also an optional Earnings Protection Benefit that can help you safeguard your investment from taxes, which can increase the value of your investment over time. This benefit is available until you’re 80 years old but costs extra.
Buy an Annuity From Global Atlantic Today
About Global Atlantic
Global Atlantic is the 17th largest annuity provider in the United States, according to the National Association of Insurance Commissioners (NAIC). The company reported more than two million annuity policyholders in 2021.
It wrote more than $9.4 billion in direct annuity premiums in 2022, 2.44% of the U.S. annuity market share for the year. It has several subsidiary companies. One of those, Forethought Life, wrote almost 96% of those premiums.
Investment bank Goldman Sachs founded Global Atlantic in 2004 and spun it off as an independent, privately held company in 2013. U.S. global investment company KKR acquired a controlling interest of 60% in Global Atlantic in 2021, adding a reported $90 billion to KKR’s assets under management.
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Credit Ratings
Understanding how credit ratings work for annuity providers can help you make informed decisions about your future payments when buying an annuity.
These ratings give you an idea of the financial strength and stability of a company, which is essential in ensuring that you receive the guaranteed payments you are entitled to. It’s important to note that credit rating scales can vary across different rating companies.
Global Atlantic Credit Ratings
| Rating Company | Credit Rating |
| AM Best | A |
| Fitch | A |
| S&P | A- |
What Customers Are Saying About Global Atlantic
The NAIC tracks consumer complaints that each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint Index.NAIC 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.
Global Atlantic has no direct NAIC rating as of 2023. However, several of its component companies do. These include:
- Commonwealth Annuity and Life Insurance Company
- Accordia Life and Annuity Company
- First Allmerica Financial Life Insurance Company
- Forethought Life Insurance Company
The bulk of Global Atlantic annuity premiums — nearly 96% — are sold through Forethought Life. Our rating below is for that subsidiary.
NAIC Complaint Index for Forethought Life Insurance Company
| All Policy Types | 0.07 |
| Individual Annuities Only | 0.96 |
Global Atlantic Pros & Cons
When choosing a Global Atlantic annuity, keep in mind market risks and the cost of optional benefits. Make informed decisions that align with your financial goals.
On the plus side, Global Atlantic stands out as a prominent annuity provider, offering a diverse range of annuity products with customization options, competitive financial strength and tax advantages.
- Diverse Annuity Options
- Global Atlantic offers various annuity products to meet different financial goals. These include fixed index, fixed, registered index-linked, income and variable annuities.
- Customization and Flexibility
- Global Atlantic annuities offer customization options for personalized financial planning. Features include death benefits, investment options and income strategies.
- Competitive Financial Strength
- Global Atlantic has an A++ rating from AM Best, indicating excellent financial stability and reliability for annuity payments.
- Tax-Deferred Growth
- Global Atlantic’s annuities offer tax-deferred growth, which can lead to higher returns over time.
- Earnings Protection Benefit
- ForeInvestors Choice is a variable annuity that offers an Earnings Protection Benefit (EPB). By safeguarding investment growth from taxes, this benefit can increase the contract value by 35%.
Pros of Global Atlantic Annuities
When considering annuity options with Global Atlantic, it’s important to consider some shortcomings. These include risks associated with market fluctuations, as well as the costs of optional benefits.
- Market-Linked Risks
- ForeStructured Growth is an index-linked annuity with growth potential and risk mitigation features. However, market-linked risks still apply and there’s potential for loss of principal despite historical performance data being used.
- Optional Benefit Costs
- EPB and other features on annuities come at an added cost (0.25% to 0.50%). Consumers should weigh the benefits against the expenses.
- Complexity of Options
- Annuity options can be complex. Consulting a financial professional is necessary to understand the nuances of each type and optional feature.
- NAIC Complaint Index
- While the NAIC Complaint Index for Forethought Life Insurance Company is below the index’s baseline — at 0.96 for individual annuities — consumers must be aware of any potential complaints or issues. Exploring customer reviews and experiences can provide valuable insights into customer satisfaction and service quality.
Cons of Global Atlantic Annuities
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Provider Rating Methodology
Annuity.org created a fact-based methodology to analyze the strength, security and reach of different annuity providers. We assessed companies based on their availability, the amount of direct premiums sold, their AM Best Financial Strength Rating and their NAIC Complaint Index score.
Providers received a rating on a five-star scale for each of these categories, with the complaint index and financial strength ratings weighed as the heaviest variables. Then, using a weighted average, each company was assigned an overall star rating.
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Our Rating Panel
The Annuity.org editorial team spoke with several different annuity experts to learn more about what is important to customers when searching for a provider and what factors make a company reliable. While Annuity.org designed the methodology, these experts provided feedback during the process and consulted on what factors we should leverage to best help prospective buyers compare providers.
