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F&G
A retirement-focused insurer specializing in annuities and life insurance - an independent, publicly traded company (NYSE: FG) since 2022 after years as a Fidelity National Financial subsidiary.
Financial strength
A
AM Best
A-
S&P Global
A-
Fitch
A3
Moody's
A (Excellent) rated
Fidelity & Guaranty Life carries A (Excellent) from AM Best, with A- from S&P and Fitch and A3 from Moody's.
Public company
F&G Annuities & Life, Inc. trades on the New York Stock Exchange under the ticker FG.
Des Moines, IA
Headquartered in Des Moines, Iowa.
Founded 1959
Fidelity & Guaranty Life Insurance Company was established in 1959.
1M+ policyholders
Serves more than 1 million policyholders through a network of over 82,000 licensed agents.
Run live numbers on F&G products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Accelerator Plus 10
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore F&G products
F&G’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
F&G Flex Accumulator
A ten-year-surrender F&G fixed indexed annuity built for index-linked accumulation across an S&P 500 annual point-to-point cap and participation designs on multiple volatility-controlled indexes, with no income rider, no premium bonus, and broad 50-state availability.
S&P 500 annual cap
9.25%
F&G Power Accumulator 7
A seven-year-surrender F&G fixed indexed annuity — the shorter-term sibling of Power Accumulator 10 — built for index-linked accumulation with two paths to S&P exposure and multiple volatility-controlled index participation designs, with no income rider and no premium bonus.
S&P 500 annual cap
9.75%
F&G Power Accumulator 10
A ten-year-surrender F&G fixed indexed annuity built for index-linked accumulation with two paths to S&P exposure (annual point-to-point cap and an iShares Core S&P 500 ETF participation design) alongside multiple volatility-controlled index participation strategies, with no income rider and no premium bonus.
S&P 500 annual cap
10%
F&G SecureBuilder®
An F&G fixed indexed annuity with 5-year and 7-year surrender options, built for index-linked accumulation on a focused strategy menu (S&P 500 annual point-to-point cap, a CIBC Balanced participation design, and a fixed account), with no income rider, no premium bonus, and three-agency financial-strength corroboration.
S&P 500 annual cap
10%
FG AccumulatorPlus 7
A seven-year-surrender F&G fixed indexed annuity — the shorter-term sibling of FG AccumulatorPlus 10 — built for index-linked accumulation on a diverse strategy menu (S&P 500 cap plus participation designs on three proprietary volatility-controlled indexes), with no income rider and no premium bonus.
S&P 500 annual cap
9.75%
FG AccumulatorPlus 10
A ten-year-surrender F&G fixed indexed annuity built for index-linked accumulation on a diverse strategy menu (S&P 500 annual point-to-point cap plus participation designs on three proprietary volatility-controlled indexes), with no income rider, no premium bonus, and three-agency financial-strength corroboration.
S&P 500 annual cap
10%
FGNY Index-Choice 10
F&G's New York-only fixed indexed annuity — a ten-year-surrender contract issued by the carrier's NY subsidiary with a focused strategy menu (an S&P 500 annual point-to-point cap plus a fixed account), a small premium bonus, two surrender waivers, and three-agency financial-strength corroboration.
S&P 500 annual cap
6.5%
Secure Landing
A seven-year-surrender F&G fixed indexed annuity built for index-linked accumulation on a focused strategy menu (S&P 500 annual point-to-point cap, a CIBC Balanced participation design, and a fixed account), with no income rider, no premium bonus, and three-agency financial-strength corroboration.
S&P 500 annual cap
10.25%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-09. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
Start with the job for the money, then open the live F&G product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
3.5%
10-yr illustration
Income-base roll-up
5%
compound, up to 10 yrs
Annual fee
1.15%
benefit charge
Premium
$100,000
Income base · yr 10
$162,889
Annual lifetime income
$5,701
Simplified illustration using this income option’s current compound income-base roll-up over 10 years, then its 3.5% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What F&G is
Fidelity & Guaranty Life Insurance Company (F&G) is a retirement-focused insurer established in 1959 and headquartered in Des Moines, Iowa, specializing in fixed indexed annuities, multi-year guaranteed annuities, and indexed universal life insurance.
June 2026 packet · F&G research packet
F&G occupies a position between large diversified insurers and smaller annuity specialists; its scale, strong ratings, and focused retirement lineup have made it one of the more significant carriers in the indexed-annuity marketplace.
June 2026 packet · F&G research packet
On ARHQ, F&G product cards and the analyzer are intentionally live-data driven: the profile supplies story and context, while product availability, rates, riders, caps, and guaranteed terms come from CANNEX-backed feeds.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Founded
1959
Fidelity & Guaranty Life Insurance Company established.
Founded 1959 · F&G research packet
Headquarters
Des Moines, IA
Headquartered in Des Moines, Iowa.
June 2026 packet · F&G research packet
Public company
NYSE: FG
F&G Annuities & Life, Inc. trades on the New York Stock Exchange.
June 2026 packet · F&G research packet
Policyholders
1M+
More than 1 million policyholders served through 82,000+ licensed agents.
June 2026 packet · F&G research packet
History highlights
Fidelity & Guaranty Life Insurance Company was founded in 1959 and is headquartered in Des Moines, Iowa.
Founded 1959 · F&G research packet
F&G operated as a subsidiary of Fidelity National Financial for many years before becoming an independent publicly traded company in 2022.
Independent public company 2022 · F&G research packet
The company has grown into one of the more significant carriers in the indexed-annuity marketplace, serving more than 1 million policyholders.
June 2026 packet · F&G research packet
From Fidelity National Financial subsidiary to public company
F&G has historical ties to Fidelity National Financial (FNF), one of the largest title-insurance and financial-services organizations in the United States, and operated as an FNF subsidiary for many years.
June 2026 packet · F&G research packet
F&G became an independent publicly traded company in 2022 and trades on the New York Stock Exchange under the ticker FG, with F&G Annuities & Life, Inc. as the public parent.
Independent public company 2022 · F&G research packet
Annuities are issued through Fidelity & Guaranty Life Insurance Company and, in New York, Fidelity & Guaranty Life Insurance Company of New York.
June 2026 packet · F&G research packet
Financial strength
AM Best
A
Excellent financial-strength rating; stable outlook.
June 2026 packet
F&G research packet
S&P Global
A-
Strong financial-strength rating; stable outlook.
June 2026 packet
F&G research packet
Fitch
A-
Strong financial-strength rating; stable outlook.
June 2026 packet
F&G research packet
Moody's
A3
Good financial-strength rating; stable outlook.
June 2026 packet
F&G research packet
What makes F&G different
Retirement-focused specialist
F&G concentrates on annuities and life insurance rather than a broad financial-services platform, with a deep FIA lineup spanning accumulation, bonus-amplified income, and fixed-rate designs.
June 2026 packet · F&G research packet
Independent and publicly traded
After years as a Fidelity National Financial subsidiary, F&G became an independent NYSE-listed company (FG) in 2022, adding public-company disclosure to its profile.
Independent public company 2022 · F&G research packet
Strong investment-grade ratings
F&G maintains an A (Excellent) rating from AM Best with A- from S&P and Fitch and A3 from Moody's, supporting confidence in its long-term claims-paying ability.
June 2026 packet · F&G research packet
Broad indexed-annuity lineup
The current catalog spans bonus and income FIAs (Prosperity Elite, Accelerator Plus), accumulation FIAs (Power Accumulator, AccumulatorPlus, SecureBuilder), and fixed-rate MYGAs (Secure MYGA, Guarantee Platinum).
At render · ARHQ product catalog; CANNEX via AdvisorWorld
About F&G
F&G (Fidelity & Guaranty Life Insurance Company), headquartered in Des Moines, Iowa, is a retirement-focused insurer founded in 1959 that specializes in fixed indexed annuities, multi-year guaranteed annuities, and indexed universal life insurance.
June 2026 packet · F&G research packet
F&G became an independent publicly traded company (NYSE: FG) in 2022 after years as a Fidelity National Financial subsidiary, and serves more than 1 million policyholders through a large independent-agent network.
June 2026 packet · F&G research packet
On ARHQ, F&G product pages stay product-specific: the carrier hub frames the lineup and routes each live product to its own page for current rates, riders, state availability, and disclosures. Income, accumulation, MVA, non-MVA, and ROP variants are kept separate.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get F&G's current rate report
Compare F&G's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- F&G website — 2026-06-20
- F&G research packet - overview, ownership, history, ratings, scale, and product architecture — June 2026 packet
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX via AdvisorWorld public API — At render