Fixed Indexed Annuity
FG AccumulatorPlus 10
Fidelity and Guaranty · AM Best A
S&P 500 annual cap
13.25%
CANNEX via AdvisorWorld · as of June 18, 2026
DB-backed product comparison
FG AccumulatorPlus 10 vs FG AccumulatorPlus 7
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
FG AccumulatorPlus 7
Fidelity and Guaranty · AM Best A
S&P 500 annual cap
13%
CANNEX via AdvisorWorld · as of June 18, 2026
Auto-verdict
FG AccumulatorPlus 10 leads on top annual cap, participation rate, performance trigger; FG AccumulatorPlus 7 leads on surrender period; fixed account rate and carrier strength are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On top annual cap, FG AccumulatorPlus 10 has the higher figure (13.25% cap · S&P 500 · 1-yr point-to-point vs 13% cap · S&P 500 · 1-yr point-to-point); FG AccumulatorPlus 7 is lower.
- On participation rate, FG AccumulatorPlus 10 has the higher figure (275% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 270% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee); FG AccumulatorPlus 7 is lower.
- On performance trigger, FG AccumulatorPlus 10 has the higher figure (8.5% trigger · S&P 500 · annual · 1.25% strategy fee vs 8.25% trigger · S&P 500 · annual · 1.25% strategy fee); FG AccumulatorPlus 7 is lower.
- On surrender period, FG AccumulatorPlus 7 has the lower figure (7 years surrender period vs 10 years surrender period); FG AccumulatorPlus 10 is higher.
- On fixed account rate, both show 3.9% fixed account.
- On carrier strength, both show A AM Best.
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 | FG AccumulatorPlus 10 | FG AccumulatorPlus 7 |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 13.25% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 13% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · as of June 18, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 275% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 270% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee CANNEX via AdvisorWorld · as of June 18, 2026 |
| Performance triggerAnnual trigger strategy returned by the live FIA strategy feed. | 8.5% trigger · S&P 500 · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 8.25% trigger · S&P 500 · annual · 1.25% strategy fee CANNEX via AdvisorWorld · as of June 18, 2026 |
| Fixed account rateFixed account strategy when returned by the live feed. | 3.9% fixed accountTie CANNEX via AdvisorWorld · as of June 18, 2026 | 3.9% fixed accountTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A AM BestTie CANNEX via AdvisorWorld · as of June 18, 2026 | A AM BestTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 10 years surrender period CANNEX via AdvisorWorld · as of June 18, 2026 | 7 years surrender periodLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | 1.25% max annual rider/strategy feeTie CANNEX via AdvisorWorld · as of June 18, 2026 | 1.25% max annual rider/strategy feeTie 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 | unavailable 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.
FG AccumulatorPlus 10
S&P 500 annual cap · 13.25% annual cap
FG AccumulatorPlus 7
S&P 500 annual cap · 13% annual cap
At a +15% index year, the credited-interest illustration is:
FG AccumulatorPlus 1013.25%
FG AccumulatorPlus 713%
FG AccumulatorPlus 10 credits more here (13.25% vs 13%).
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 FG AccumulatorPlus 10 or FG AccumulatorPlus 7 better for growth?
On top annual cap, FG AccumulatorPlus 10 has the higher figure (13.25% cap · S&P 500 · 1-yr point-to-point vs 13% cap · S&P 500 · 1-yr point-to-point); FG AccumulatorPlus 7 is lower. On participation rate, FG AccumulatorPlus 10 has the higher figure (275% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 270% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee); FG AccumulatorPlus 7 is lower. On performance trigger, FG AccumulatorPlus 10 has the higher figure (8.5% trigger · S&P 500 · annual · 1.25% strategy fee vs 8.25% trigger · S&P 500 · annual · 1.25% strategy fee); FG AccumulatorPlus 7 is lower.
Is FG AccumulatorPlus 10 or FG AccumulatorPlus 7 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 FG AccumulatorPlus 10 or FG AccumulatorPlus 7 better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, FG AccumulatorPlus 7 has the lower figure (7 years surrender period vs 10 years surrender period); FG AccumulatorPlus 10 is higher. On annual fee, both show 1.25% max annual rider/strategy fee.
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.
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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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