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 20, 2026
DB-backed product comparison
ForeAccumulation II Advisory vs Enhanced Choice Index Plus 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
Enhanced Choice Index Plus 7
The Standard · AM Best A
S&P 500 annual cap
12%
CANNEX via AdvisorWorld · as of June 20, 2026
Auto-verdict
ForeAccumulation II Advisory leads on participation rate, performance trigger, surrender period; Enhanced Choice Index Plus 7 leads on top annual cap, annual fee; fixed account rate and carrier strength are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On participation rate, ForeAccumulation II Advisory has the higher figure (225% participation · PIMCO Balanced Index · annual · 1.25% strategy fee vs 62% participation · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower.
- On performance trigger, ForeAccumulation II Advisory has the higher figure (7.25% trigger · S&P 500 · annual vs 7% trigger · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower.
- On surrender period, ForeAccumulation II Advisory has the lower figure (5 years surrender period vs 7 years surrender period); Enhanced Choice Index Plus 7 is higher.
- On top annual cap, Enhanced Choice Index Plus 7 has the higher figure (12% cap · S&P 500 · 1-yr point-to-point vs 11% cap · S&P 500 · 1-yr point-to-point); ForeAccumulation II Advisory is lower.
- On annual fee, Enhanced Choice Index Plus 7 has the lower figure (0.02% max annual rider/strategy fee vs 1.25% max annual rider/strategy fee); ForeAccumulation II Advisory is higher.
- On fixed account rate, both show 4.25% 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 | ForeAccumulation II Advisory | Enhanced Choice Index Plus 7 |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 11% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · as of June 20, 2026 | 12% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 20, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 225% participation · PIMCO Balanced Index · annual · 1.25% strategy feeLeading CANNEX via AdvisorWorld · as of June 20, 2026 | 62% participation · S&P 500 · annual CANNEX via AdvisorWorld · as of June 20, 2026 |
| Performance triggerAnnual trigger strategy returned by the live FIA strategy feed. | 7.25% trigger · S&P 500 · annualLeading CANNEX via AdvisorWorld · as of June 20, 2026 | 7% trigger · S&P 500 · annual CANNEX via AdvisorWorld · as of June 20, 2026 |
| Fixed account rateFixed account strategy when returned by the live feed. | 4.25% fixed accountTie CANNEX via AdvisorWorld · as of June 20, 2026 | 4.25% fixed accountTie CANNEX via AdvisorWorld · as of June 20, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A AM BestTie CANNEX via AdvisorWorld · as of June 20, 2026 | A AM BestTie CANNEX via AdvisorWorld · as of June 20, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 20, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 20, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 5 years surrender periodLeading CANNEX via AdvisorWorld · as of June 20, 2026 | 7 years surrender period CANNEX via AdvisorWorld · as of June 20, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | 1.25% max annual rider/strategy fee CANNEX via AdvisorWorld · as of June 20, 2026 | 0.02% max annual rider/strategy feeLeading CANNEX via AdvisorWorld · as of June 20, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider returnedTie CANNEX via AdvisorWorld · as of June 20, 2026 | No income rider returnedTie CANNEX via AdvisorWorld · as of June 20, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $100,000 minimum premium CANNEX via AdvisorWorld · as of June 20, 2026 | unavailable CANNEX via AdvisorWorld · as of June 20, 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.
ForeAccumulation II Advisory
S&P 500 annual cap · 11% annual cap
Enhanced Choice Index Plus 7
S&P 500 annual cap · 12% annual cap
At a +15% index year, the credited-interest illustration is:
ForeAccumulation II Advisory11%
Enhanced Choice Index Plus 712%
Enhanced Choice Index Plus 7 credits more here (12% vs 11%).
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 20, 2026.
Common questions
Decision FAQs from the same numbers
Is ForeAccumulation II Advisory or Enhanced Choice Index Plus 7 better for growth?
On top annual cap, Enhanced Choice Index Plus 7 has the higher figure (12% cap · S&P 500 · 1-yr point-to-point vs 11% cap · S&P 500 · 1-yr point-to-point); ForeAccumulation II Advisory is lower. On participation rate, ForeAccumulation II Advisory has the higher figure (225% participation · PIMCO Balanced Index · annual · 1.25% strategy fee vs 62% participation · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower. On performance trigger, ForeAccumulation II Advisory has the higher figure (7.25% trigger · S&P 500 · annual vs 7% trigger · S&P 500 · annual); Enhanced Choice Index Plus 7 is lower.
Is ForeAccumulation II Advisory or Enhanced Choice Index Plus 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 ForeAccumulation II Advisory or Enhanced Choice Index Plus 7 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 7 years surrender period); Enhanced Choice Index Plus 7 is higher. On annual fee, Enhanced Choice Index Plus 7 has the lower figure (0.02% 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.
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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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