Fixed Indexed Annuity
Farmers Harvest
Farmers Life Insurance Company · AM Best B++
S&P 500 annual cap
9.5%
CANNEX via AdvisorWorld · as of June 18, 2026
DB-backed product comparison
Farmers Harvest vs ForeAccumulation II Advisory
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
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VS
Fixed Indexed Annuity
ForeAccumulation II Advisory
Global Atlantic - Forethought Life Insurance Company · AM Best A
S&P 500 annual cap
11%
CANNEX via AdvisorWorld · as of June 18, 2026
Auto-verdict
Farmers Harvest leads on annual fee; ForeAccumulation II Advisory leads on top annual cap, participation rate, fixed account rate; income rider availability is tied. This compares current accumulation metrics and is not a personalized recommendation.
- On annual fee, Farmers Harvest has the lower figure (0.95% max annual rider/strategy fee vs 1.25% max annual rider/strategy fee); ForeAccumulation II Advisory is higher.
- On top annual cap, ForeAccumulation II Advisory has the higher figure (11% cap · S&P 500 · 1-yr point-to-point vs 9.5% cap · S&P 500 · 1-yr point-to-point); Farmers Harvest is lower.
- On participation rate, ForeAccumulation II Advisory has the higher figure (225% participation · PIMCO Balanced Index · annual · 1.25% strategy fee vs 140% participation · Bloomberg Global Momentum Diversified Leaders 5% ER Index · annual · 0.95% strategy fee); Farmers Harvest is lower.
- On fixed account rate, ForeAccumulation II Advisory has the higher figure (4.25% fixed account vs 3.75% fixed account); Farmers Harvest is lower.
- On income rider availability, both show No income rider returned.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Farmers Harvest | ForeAccumulation II Advisory |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 9.5% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · as of June 18, 2026 | 11% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 140% participation · Bloomberg Global Momentum Diversified Leaders 5% ER Index · annual · 0.95% strategy fee CANNEX via AdvisorWorld · as of June 18, 2026 | 225% participation · PIMCO Balanced Index · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Performance triggerAnnual trigger strategy returned by the live FIA strategy feed. | unavailable CANNEX via AdvisorWorld · as of June 18, 2026 | 7.25% trigger · S&P 500 · annual CANNEX via AdvisorWorld · as of June 18, 2026 |
| Fixed account rateFixed account strategy when returned by the live feed. | 3.75% fixed account CANNEX via AdvisorWorld · as of June 18, 2026 | 4.25% fixed accountLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | B++ AM Best CANNEX via AdvisorWorld · as of June 18, 2026 | A AM BestLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 5%/yr free withdrawal CANNEX via AdvisorWorld · as of June 18, 2026 | 10%/yr free withdrawalLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender period CANNEX via AdvisorWorld · as of June 18, 2026 | 5 years surrender periodLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | 0.95% max annual rider/strategy feeLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 1.25% max annual rider/strategy fee CANNEX via AdvisorWorld · as of June 18, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 | No income rider returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | unavailable CANNEX via AdvisorWorld · as of June 18, 2026 | $100,000 minimum premium CANNEX via AdvisorWorld · as of June 18, 2026 |
Scenario tool
Which one credits more in one index year?
Head-to-head crediting
Applies each product's live annual strategy rate to one hypothetical index year.
Farmers Harvest
S&P 500 annual cap · 9.5% annual cap
ForeAccumulation II Advisory
S&P 500 annual cap · 11% annual cap
At a +15% index year, the credited-interest illustration is:
Farmers Harvest9.5%
ForeAccumulation II Advisory11%
ForeAccumulation II Advisory credits more here (11% vs 9.5%).
Assumptions: one hypothetical index year, one allocation to the displayed annual strategy for each product, and a 0% floor. Caps, trigger rates, participation rates, renewal rates, allocations, and state availability can change. This is educational only and is not a carrier-approved illustration.
Illustrative tool inputs use live product figures from CANNEX via AdvisorWorld · as of June 18, 2026.
Common questions
Decision FAQs from the same numbers
Is Farmers Harvest or ForeAccumulation II Advisory better for growth?
On top annual cap, ForeAccumulation II Advisory has the higher figure (11% cap · S&P 500 · 1-yr point-to-point vs 9.5% cap · S&P 500 · 1-yr point-to-point); Farmers Harvest is lower. On participation rate, ForeAccumulation II Advisory has the higher figure (225% participation · PIMCO Balanced Index · annual · 1.25% strategy fee vs 140% participation · Bloomberg Global Momentum Diversified Leaders 5% ER Index · annual · 0.95% strategy fee); Farmers Harvest is lower. On fixed account rate, ForeAccumulation II Advisory has the higher figure (4.25% fixed account vs 3.75% fixed account); Farmers Harvest is lower.
Is Farmers Harvest or ForeAccumulation II Advisory better for income?
On income rider availability, both show No income rider returned. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Farmers Harvest or ForeAccumulation II Advisory better for liquidity?
On liquidity, ForeAccumulation II Advisory has the higher figure (10%/yr free withdrawal vs 5%/yr free withdrawal); Farmers Harvest is lower. On surrender period, ForeAccumulation II Advisory has the lower figure (5 years surrender period vs 7 years surrender period); Farmers Harvest is higher. On annual fee, Farmers Harvest has the lower figure (0.95% max annual rider/strategy fee vs 1.25% max annual rider/strategy fee); ForeAccumulation II Advisory is higher.
How to read this comparison
Compare the product job, not just one number.
Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Rate context
Caps, participation rates, triggers, and fixed buckets show how each FIA creates accumulation potential.
Control
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Live product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Product-type-specific rows are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.
Rates vary by state, premium band, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the comparison as a starting point.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Want a personalized version?
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
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