Working Papers · Forge AI™ from AdvisorWorld
See a custom 16-page look at annuity choices, modeled outcomes, and tradeoffs.
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Example product illustration result
$250,000 FIA Illustration Over 5 Years at 2% in Texas
A five-year fixed indexed annuity accumulation example using an explicit hypothetical 2% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Hypothetical premium
$250,000
Explicit hypothetical S&P 500 change
2% each year
Mechanics basis
crediting limit + disclosed fee when supplied
Answer for this scenario
Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory
FIA · AM Best A · S&P 500 · one-year point-to-point · crediting limit 15.75% cap · 1.25% strategy fee. Data observed as of October 22, 2026.
Ending account value
$259,517
After 5 years · hypothetical
Credited interest
$9,517
Modeled annual credits
Strategy fees
$15,861
fact
Annual index credit
2%
2% capped at 15.75%
FIA product
ForeAccumulation II Advisory
Growth Accelerator Strategy Fee Included
Global Atlantic - Forethought Life Insurance Company · ForeAccumulation II Advisory
AM Best A
crediting limit
15.75%
S&P 500 Index · 1-year point-to-point · cap
Scenario applied via S&P 500-style index profile.
The annual point-to-point cap is a contract mechanic—not a yield or promised return. This educational path holds those terms constant through the source-backed 5-year product period.
| Year | Starting value | Index change | Index credit | Credited interest | Strategy fee | Ending value |
|---|---|---|---|---|---|---|
| 1 | $250,000 | 2% | 2% | $1,875 | $3,125 1.25% | $251,875 |
| 2 | $251,875 | 2% | 2% | $1,889 | $3,148 1.25% | $253,764 |
| 3 | $253,764 | 2% | 2% | $1,903 | $3,172 1.25% | $255,667 |
| 4 | $255,667 | 2% | 2% | $1,918 | $3,196 1.25% | $257,585 |
| 5 | $257,585 | 2% | 2% | $1,932 | $3,220 1.25% | $259,517 |
Accumulation rules only
Annual credited interest uses max(0, index credit − disclosed strategy fee) on nonnegative years. Negative hypothetical index changes receive 0% index-linked credit and no strategy-fee drag. This result does not model an income base, rider benefit, lifetime income, withdrawals, taxes, surrender value, or other allocations.
How to read this example
This example uses CANNEX data delivered through AdvisorWorld. It includes FIA products whose details show an annual S&P 500 one-year point-to-point cap or an Uncapped strategy. A supplied strategy fee is shown as a source fact; when the source does not disclose a fee, the path labels it as undisclosed and uses 0% only as an explicit calculation assumption.
The annual S&P 500 change is an explicit hypothetical scenario input, not a market forecast or a rate quote. The mechanics example holds the crediting limit and any disclosed fee constant only through the strategy's verified source-backed period; both can change at renewal, and no post-period base strategy is modeled. It is educational only—not a carrier-approved illustration, quote, recommendation, or forecast.
The page does not model an income base, lifetime income, surrender value, withdrawals, taxes, bonuses, or other allocations. A negative hypothetical index change receives no index-linked credit and no strategy-fee drag under this simplified policy.
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