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Choose a family-verified fixed indexed annuity, enter an explicit hypothetical annual S&P 500 change, and inspect every modeled index-linked credit and strategy fee. The example allocates the full hypothetical premium to one current annual point-to-point cap strategy.
Selected product
Global Atlantic - Forethought Life Insurance Company · ForeAccumulation II Advisory
Named from the current family-verified feed
Grounded freshness
July 15, 2026
Only from the CANNEX sync log
Scope
Accumulation only
No invented income base or lifetime payout
Hypothetical ending account value
$138,624
After 5 years · not guaranteed
Hypothetical annual S&P 500 change
8%
Repeated annually only for this educational projection
Hypothetical credited interest
$45,777
Sum of modeled annual credits
Modeled strategy fees
$7,153
Using the current supplied strategy-fee rate
Family-verified FIA product
Global Atlantic - Forethought Life Insurance Company · AM Best A
Current annual point-to-point crediting limit
14%
S&P 500 · 1-year point-to-point · cap
The current annual point-to-point cap and 1.25% annual strategy fee are contract mechanics—not a yield or promised return. This educational path holds both current terms constant for every illustrated year and allocates 100% of the hypothetical premium to this one S&P 500 strategy. Renewal terms can change.
| Year | Starting value | Hypothetical S&P 500 change | Hypothetical index credit | Index-linked credited interest | Strategy fee | Ending value |
|---|---|---|---|---|---|---|
| 1 | $100,000 | 8% | 8% | $8,000 | $1,250 1.25% | $106,750 |
| 2 | $106,750 | 8% | 8% | $8,540 | $1,334 1.25% | $113,956 |
| 3 | $113,956 | 8% | 8% | $9,116 | $1,424 1.25% | $121,648 |
| 4 | $121,648 | 8% | 8% | $9,732 | $1,521 1.25% | $129,859 |
| 5 | $129,859 | 8% | 8% | $10,389 | $1,623 1.25% | $138,624 |
Accumulation mechanics only
A negative hypothetical S&P 500 change receives 0% index-linked credit in this simplified cap mechanic, but the strategy fee can still reduce account value. This result does not model an income base, GLWB rider, payout factor, annual lifetime income, withdrawals, taxes, surrender value, or other allocations.
The permalink preserves the product, state, premium, horizon, and hypothetical annual S&P 500 change.
Copy the iframe into an advisor site, newsroom, or blog. The widget keeps visible source attribution.
<iframe src="https://annuityrateshq.com/embed/product-illustration?family=fia&premium=100000&stateCode=TX&horizonYears=5&hypotheticalIndexReturn=8&productId=A001TF&productInstanceId=0002652650&strategyDetailId=755504" title="FIA Product Illustration by AnnuityRatesHQ" width="100%" height="1100" loading="lazy" style="border:1px solid #e5e7eb;border-radius:8px;"></iframe>Pre-rendered examples
Each indexable page contains a server-rendered answer from the same cached data boundary, with the annual S&P 500 change plainly labeled as an explicit hypothetical scenario input.
A five-year fixed indexed annuity accumulation example using an explicit hypothetical -10% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical -5% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 0% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 1% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 2% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 3% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 4% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 6% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 8% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 10% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 12% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 14% annual S&P 500 change and current family-verified annual point-to-point crediting and fee terms. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
See baked illustrationMethodology
Source. The selected FIA product, carrier, AM Best rating, annual S&P 500 one-year point-to-point cap, and strategy fee come from CANNEX product data delivered through AdvisorWorld and read through AnnuityRatesHQ’s cached, timeout-protected boundary. Premium, state, horizon, and annual S&P 500 change are explicit hypothetical inputs.
Cadence and freshness. Cached live reads refresh on AnnuityRatesHQ’s 10-minute cache cadence. The visible date comes only from the upstream sync_log; page render times and capture timestamps are never substituted.
Formula. The full hypothetical premium is allocated to the selected strategy. Each year, index-linked credit is the positive hypothetical S&P 500 change limited by the current cap. The current strategy fee is applied to starting account value, then deducted after the modeled credit. Both current terms are held constant only to demonstrate mechanics; renewal terms can change.
Scope. Negative index changes receive no index-linked credit in this simplified mechanic, but a strategy fee can reduce account value. The supported horizon stops at five years, matching the sourced period for the pinned Growth Accelerator strategy; the tool does not invent a post-period strategy switch. It also excludes income riders, withdrawals, surrender values, taxes, other allocations, bonuses, and any feature not supported by this source contract.
How to cite this tool
“AnnuityRatesHQ FIA Product Illustration, Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory, current S&P 500 one-year point-to-point crediting limit 14% cap and annual strategy fee 1.25% from CANNEX via AdvisorWorld, CANNEX scan July 15, 2026, using an explicit hypothetical annual S&P 500 change of 8%.”
Cite and link to the result permalink so readers can reopen the same product and explicit hypothetical inputs. Describe the page as an educational cap-mechanics example—not a carrier-approved illustration or forecast.
Review data and use termsNo. This is an educational mechanics example, not a carrier-approved illustration, quote, forecast, recommendation, or statement of future performance. Confirm current product terms and state availability before relying on any annuity information.
No. A cap is the maximum index-linked credit under the named strategy for its crediting period. It is not a yield, participation rate, guaranteed return, or forecast. The current cap can change at renewal.
It is an explicit scenario input supplied by the visitor or baked into an example page. It is not sourced from CANNEX, AdvisorWorld, AnnuityRatesHQ, or a market forecast. The tool repeats it only to make the cap mechanics easy to inspect.
This simplified one-year cap mechanic applies no negative index-linked credit, but a current strategy fee can still reduce the hypothetical account value. Surrender charges, withdrawals, taxes, and other allocations are outside this tool.
This surface is accumulation-only. It does not infer a GLWB rider, income base, payout factor, or annual lifetime income from a product name, cap, premium, or generic rider label. Those figures require exact source-backed income mechanics.
Live values are read from cached CANNEX data delivered through AdvisorWorld. A visible as-of date appears only when the feed supplies a grounded sync_log scan date; a page render time is never substituted for data freshness.
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