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DB-backed product comparison

ForeAccumulation II vs Growth Commander 10

Compare current product data, carrier backing, rates, liquidity, surrender terms, and rider mechanics. This page is part of the product-level evidence behind AnnuityRatesHQ annuity rates.

Fixed Indexed Annuity

ForeAccumulation II

Global Atlantic - Forethought Life Insurance Company

Best cap

11.5%

A.M. Best

A

Free withdrawal

10%

Surrender period

10 yrs

Crediting strategies

Fixed Account3.75% fixed

D

S&P 500 Index8.75% cap

A

MSCI EAFE Index9.25% cap

A

PIMCO Balanced Index175% par

A

S&P 500 Index100% par

A

BlackRock iBLD Diversa VC7 ER Index145% par

A

Surrender schedule

Yr 1: 9%Yr 2: 9%Yr 3: 8%Yr 4: 7%Yr 5: 6%Yr 6: 5%Yr 7: 4%Yr 8: 3%Yr 9: 2%Yr 10: 1%
Minimum premium
Varies
State availability
50 states
View product page

Fixed Indexed Annuity

Growth Commander 10

Americo Financial Life and Annuity Insurance Company

Best cap

11.75%

A.M. Best

A

Free withdrawal

10%

Surrender period

10 yrs

Crediting strategies

Fixed Account3.95% fixed

D

S&P 500 Index7.85% cap

A

S&P 500 Index11.7% cap

A

S&P 500 IQ 0.5% Decrement Index11.75% cap

A

S&P 500 IQ 0.5% Decrement Index65% par

A

S&P 500 IQ 0.5% Decrement Index90% par

A

Surrender schedule

Yr 1: 9%Yr 2: 8.7%Yr 3: 7.8%Yr 4: 6.8%Yr 5: 5.9%Yr 6: 4.9%Yr 7: 3.9%Yr 8: 3%Yr 9: 2%Yr 10: 1%
Minimum premium
Varies
State availability
48 states
View product page

How to read this comparison

Compare the product job, not just the headline number.

These pages support the main annuity rates experience by showing why two products are not interchangeable. Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.

Rate context

Caps, participation rates, spreads, 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.

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.

All FIA ratesIncome comparison

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