Fixed Indexed Annuity
ForeAccumulation II
Global Atlantic - Forethought Life Insurance Company · AM Best A
3.5/5
S&P 500 annual cap
9.75%
CANNEX via AdvisorWorld · as of June 18, 2026
DB-backed product comparison
ForeAccumulation II vs Strategic Growth Annuity
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
Strategic Growth Annuity
Security Benefit Life Insurance Company · AM Best A-
S&P 500 annual cap
9.5%
CANNEX via AdvisorWorld · as of June 18, 2026
Auto-verdict
ForeAccumulation II leads on top annual cap, carrier strength, surrender period; Strategic Growth Annuity leads on participation rate, fixed account rate, annual fee; liquidity and income rider availability are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On top annual cap, ForeAccumulation II has the higher figure (9.75% cap · S&P 500 · 1-yr point-to-point vs 9.5% cap · S&P 500 · 1-yr point-to-point); Strategic Growth Annuity is lower.
- On carrier strength, ForeAccumulation II has the higher figure (A AM Best vs A- AM Best); Strategic Growth Annuity is lower.
- On surrender period, ForeAccumulation II has the lower figure (7 years surrender period vs 10 years surrender period); Strategic Growth Annuity is higher.
- On participation rate, Strategic Growth Annuity has the higher figure (262% participation · S&P MARC 5% Excess Return · annual · 0.95% strategy fee vs 215% participation · PIMCO Balanced Index · annual · 1.25% strategy fee); ForeAccumulation II is lower.
- On fixed account rate, Strategic Growth Annuity has the higher figure (4.75% fixed account vs 4.1% fixed account); ForeAccumulation II is lower.
- On annual fee, Strategic Growth Annuity has the lower figure (0.95% max annual rider/strategy fee vs 1.25% max annual rider/strategy fee); ForeAccumulation II is higher.
- On liquidity, both show 10%/yr free withdrawal.
- 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 | ForeAccumulation II | Strategic Growth Annuity |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 9.75% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 9.5% 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. | 215% participation · PIMCO Balanced Index · annual · 1.25% strategy fee CANNEX via AdvisorWorld · as of June 18, 2026 | 262% participation · S&P MARC 5% Excess Return · annual · 0.95% strategy feeLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Performance triggerAnnual trigger strategy returned by the live FIA strategy feed. | 7% trigger · S&P 500 · annual CANNEX via AdvisorWorld · as of June 18, 2026 | unavailable CANNEX via AdvisorWorld · as of June 18, 2026 |
| Fixed account rateFixed account strategy when returned by the live feed. | 4.1% fixed account CANNEX via AdvisorWorld · as of June 18, 2026 | 4.75% fixed accountLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A AM BestLeading CANNEX via AdvisorWorld · as of June 18, 2026 | A- AM Best 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. | 7 years surrender periodLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 10 years surrender period 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 fee CANNEX via AdvisorWorld · as of June 18, 2026 | 0.95% max annual rider/strategy feeLeading 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. | $100,000 minimum premium 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.
ForeAccumulation II
S&P 500 annual cap · 9.75% annual cap
Strategic Growth Annuity
MSCI EAFE Index annual cap · 10.75% annual cap
At a +15% index year, the credited-interest illustration is:
ForeAccumulation II9.75%
Strategic Growth Annuity10.75%
Strategic Growth Annuity credits more here (10.75% vs 9.75%).
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.
Review-backed context
What the reviews say about each product
Linked review
ForeAccumulation II
3.5/5
CFA take
“In my view, the Global Atlantic ForeAccumulation II is one of the stronger accumulation-focused FIAs currently available for investors who prioritize growth potential while still maintaining downside protection. The product stands out because of its relatively competitive caps, participation rates, and performance-triggered rates, particularly on the S&P 500 and certain diversified indices. Unlike many income-focused FIAs that sacrifice accumulation potential to support richer riders, ForeAccumulation II keeps the structure relatively clean and growth-oriented, which makes the product easier to evaluate and potentially more efficient for long-term accumulation. Another positive is the broad selection of index strategies combined with relatively competitive fixed-rate options, giving investors flexibility across different market environments. The optional Enhanced Death Benefit rider is also relatively straightforward and may appeal to investors focused on legacy planning without adding excessive complexity. That said, many of the proprietary indices still employ volatility-control mechanisms, which can naturally limit upside participation during strong bull markets. Overall, I would view ForeAccumulation II as a solid FIA option for investors seeking a balance of principal protection, accumulation potential, and legacy flexibility without heavily relying on complex income rider structures.”
“In-depth analysis of the Global Atlantic ForeAccumulation II Fixed Indexed Annuity, including features, rates, and more.”
Attributed to Nikhil Bhauwala.
Read the full reviewCommon questions
Decision FAQs from the same numbers
Is ForeAccumulation II or Strategic Growth Annuity better for growth?
On top annual cap, ForeAccumulation II has the higher figure (9.75% cap · S&P 500 · 1-yr point-to-point vs 9.5% cap · S&P 500 · 1-yr point-to-point); Strategic Growth Annuity is lower. On participation rate, Strategic Growth Annuity has the higher figure (262% participation · S&P MARC 5% Excess Return · annual · 0.95% strategy fee vs 215% participation · PIMCO Balanced Index · annual · 1.25% strategy fee); ForeAccumulation II is lower. On fixed account rate, Strategic Growth Annuity has the higher figure (4.75% fixed account vs 4.1% fixed account); ForeAccumulation II is lower.
Is ForeAccumulation II or Strategic Growth Annuity 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 or Strategic Growth Annuity better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, ForeAccumulation II has the lower figure (7 years surrender period vs 10 years surrender period); Strategic Growth Annuity is higher. On annual fee, Strategic Growth Annuity has the lower figure (0.95% max annual rider/strategy fee vs 1.25% max annual rider/strategy fee); ForeAccumulation II 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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