Fixed Indexed Annuity
FG AccumulatorPlus 10
Fidelity and Guaranty · AM Best A
S&P 500 annual cap
14%
CANNEX via AdvisorWorld · rates as of October 15, 2026
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Annuity product comparison
FG AccumulatorPlus 10 vs ForeAccumulation II Advisory
Compare rates, carrier ratings, liquidity, surrender terms, and rider features.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
last-known-good data · rates as of October 15, 2026.
View product page
VS
Fixed Indexed Annuity
ForeAccumulation II Advisory
Global Atlantic - Forethought Life Insurance Company · AM Best A
S&P 500 annual cap
12.25%
CANNEX via AdvisorWorld · rates as of October 15, 2026
Auto-verdict
FG AccumulatorPlus 10 leads on top annual cap, participation rate, performance trigger; ForeAccumulation II Advisory leads on fixed account rate, surrender period; carrier strength and liquidity are tied. This compares available accumulation metrics and is not a personalized recommendation.
- On top annual cap, FG AccumulatorPlus 10 has the higher figure (14% cap · S&P 500 · 1-yr point-to-point vs 12.25% cap · S&P 500 · 1-yr point-to-point); ForeAccumulation II Advisory is lower.
- On participation rate, FG AccumulatorPlus 10 has the higher figure (285% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 235% participation · PIMCO Balanced Index · annual · 1.25% strategy fee); ForeAccumulation II Advisory is lower.
- On performance trigger, FG AccumulatorPlus 10 has the higher figure (9.25% trigger · S&P 500 · annual · 1.25% strategy fee vs 8.25% trigger · S&P 500 · annual); ForeAccumulation II Advisory is lower.
- On fixed account rate, ForeAccumulation II Advisory has the higher figure (4.9% fixed account vs 4.2% fixed account); FG AccumulatorPlus 10 is lower.
- On surrender period, ForeAccumulation II Advisory has the lower figure (5 years surrender period vs 10 years surrender period); FG AccumulatorPlus 10 is higher.
- On carrier strength, both show A AM Best.
- On liquidity, both show 10%/yr free withdrawal.
Auto-generated from the displayed data, accumulation metrics only, not a recommendation.
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 | ForeAccumulation II Advisory |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the strategy set includes it. | 14% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · rates as of October 15, 2026 | 12.25% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 285% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · rates as of October 15, 2026 | 235% participation · PIMCO Balanced Index · annual · 1.25% strategy fee CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Performance triggerAvailable annual trigger strategy from the FIA feed. | 9.25% trigger · S&P 500 · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · rates as of October 15, 2026 | 8.25% trigger · S&P 500 · annual CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Fixed account rateAvailable fixed account strategy when present in the feed. | 4.2% fixed account CANNEX via AdvisorWorld · rates as of October 15, 2026 | 4.9% fixed accountLeading CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| AM Best ratingCarrier financial strength from the product/rating feed when available. | A AM BestTie CANNEX via AdvisorWorld · rates as of October 15, 2026 | A AM BestTie CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Free withdrawalAvailable annual free-withdrawal percentage for the product. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 15, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 10 years surrender period CANNEX via AdvisorWorld · rates as of October 15, 2026 | 5 years surrender periodLeading CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Annual feeHighest listed annual rider or strategy fee; lower is highlighted. | 1.25% max annual rider/strategy feeTie CANNEX via AdvisorWorld · rates as of October 15, 2026 | 1.25% max annual rider/strategy feeTie CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider listedTie CANNEX via AdvisorWorld · rates as of October 15, 2026 | No income rider listedTie CANNEX via AdvisorWorld · rates as of October 15, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $10,000 minimum premiumLeading CANNEX via AdvisorWorld · rates as of October 15, 2026 | $25,000 minimum premium CANNEX via AdvisorWorld · rates as of October 15, 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.
S&P 500 annual cap · 14% annual cap
S&P 500 annual cap · 12.25% annual cap
At a +15% index year, the credited-interest illustration is:
FG AccumulatorPlus 10 credits more here (14% vs 12.25%).
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 product figures from CANNEX via AdvisorWorld · rates as of October 15, 2026.
Common questions
Decision FAQs from the same numbers
Is FG AccumulatorPlus 10 or ForeAccumulation II Advisory better for growth?
On top annual cap, FG AccumulatorPlus 10 has the higher figure (14% cap · S&P 500 · 1-yr point-to-point vs 12.25% cap · S&P 500 · 1-yr point-to-point); ForeAccumulation II Advisory is lower. On participation rate, FG AccumulatorPlus 10 has the higher figure (285% participation · Goldman Sachs Global Factor Index · annual · 1.25% strategy fee vs 235% participation · PIMCO Balanced Index · annual · 1.25% strategy fee); ForeAccumulation II Advisory is lower. On performance trigger, FG AccumulatorPlus 10 has the higher figure (9.25% trigger · S&P 500 · annual · 1.25% strategy fee vs 8.25% trigger · S&P 500 · annual); ForeAccumulation II Advisory is lower.
Is FG AccumulatorPlus 10 or ForeAccumulation II Advisory better for income?
On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is FG AccumulatorPlus 10 or ForeAccumulation II Advisory better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, ForeAccumulation II Advisory has the lower figure (5 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
Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.
The verdict is auto-generated from the available 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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