Example product illustration result
$250,000 FIA Illustration Over 5 Years at 4% in Texas
A 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.
Hypothetical premium
$250,000
Explicit hypothetical S&P 500 change
4% each year
Mechanics basis
Current crediting limit + fee held constant
Answer for this scenario
Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory
Family-verified FIA · AM Best A · S&P 500 · one-year point-to-point · current crediting limit 14% cap · current 1.25% strategy fee. CANNEX scan freshness: July 15, 2026.
Hypothetical ending account value
$286,318
After 5 years · not guaranteed
Hypothetical annual S&P 500 change
4%
Repeated annually only for this educational projection
Hypothetical credited interest
$52,827
Sum of modeled annual credits
Modeled strategy fees
$16,508
Using the current supplied strategy-fee rate
Family-verified FIA product
ForeAccumulation II Advisory
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 | $250,000 | 4% | 4% | $10,000 | $3,125 1.25% | $256,875 |
| 2 | $256,875 | 4% | 4% | $10,275 | $3,211 1.25% | $263,939 |
| 3 | $263,939 | 4% | 4% | $10,558 | $3,299 1.25% | $271,197 |
| 4 | $271,197 | 4% | 4% | $10,848 | $3,390 1.25% | $278,655 |
| 5 | $278,655 | 4% | 4% | $11,146 | $3,483 1.25% | $286,318 |
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.
What this baked answer means
The page was rendered on the server through the cached CANNEX-via-AdvisorWorld data boundary. It accepts only authoritative-detail-verified FIA products with a current annual S&P 500 one-year point-to-point cap or verified Uncapped strategy and a supported current strategy fee.
The annual S&P 500 change is an explicit hypothetical scenario input, not a market forecast or a live rate. The mechanics example holds the current crediting limit and fee constant for no more than the sourced five-year Growth Accelerator 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, but the strategy fee can still reduce hypothetical account value.