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Fixed Indexed Annuity

Accelerator Plus 10

F&G Annuities and Life

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8.75%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 1, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Accelerator Plus 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 1, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,889
Est. value at age 80 (Accelerator Plus 10)
10%
Premium bonus offered
S&P 500 Index — 12% Cap (Rider Charge Included · Annual · 1.25% fee)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Accelerator Plus 10's published cap rate (12% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 1, 2026.

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See how Accelerator Plus 10 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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Live rate data

Run live numbers for Accelerator Plus 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this F&G Annuities and Life product.

Live product data

Rates as of July 1, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

3.5% lifetime payout + 5% roll-up

A ten-year-surrender F&G fixed indexed annuity with a built-in premium bonus and an optional Enhanced GMWB rider for guaranteed lifetime income, built for buyers who want bonus-amplified income-base growth over a full ten-year deferral.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers planning to defer for the full ten-year term who want the optional Enhanced GMWB rider's guaranteed lifetime payout, value the up-front premium bonus that accelerates the income-base value, and accept a long surrender ladder in exchange for the bonus.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

monthly sum cap

2.75% cap rate

Monthly sum

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

8.75% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Rider Charge Included

12% cap rate

Annual cap

Strategy fee: 1.25%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Rider Charge Included · monthly sum cap

3.5% cap rate

Monthly sum

Strategy fee: 1.25%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

6% trigger rate

Performance trigger

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Rider Charge Included

7.75% trigger rate

Performance trigger

Strategy fee: 1.25%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Rider Charge Included

55% participation rate

Participation

Strategy fee: 1.25%/yr

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 20 additional crediting options (Balanced, Goldman Sachs, BlackRock...)

Lifetime Income Riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime payout rate3.5% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up5%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Built-in premium bonus — the contract publishes a double-digit first-year premium credit that vests across the ten-year surrender schedule, accelerating the income-base value the GLWB rider uses to calculate the lifetime payout.
  • Optional EGMWB rider for guaranteed lifetime withdrawals — turning the bonused premium into a contractually published lifetime payout rate rather than relying on bare index growth.
  • Wide index menu spanning the S&P 500 alongside proprietary volatility-controlled benchmarks (Barclays Trailblazer Sectors 5, BlackRock Market Advantage, CIBC Balanced 5/10% Vol-Control ER, Goldman Sachs Global Factor, Morgan Stanley US Equity Allocator) — so a buyer who allocates to the rider can still diversify the accumulation engine that drives the income base.
  • Two named surrender-charge waivers — nursing home and terminal illness — provide named exits from a long surrender schedule for life events most likely to force early access.

What to confirm

  • The optional GLWB rider carries an annual fee charged on the income/withdrawal base, not the account value — the effective cost runs higher than the headline percentage looks, and that fee continues for as long as the rider is in force.
  • The ten-year surrender schedule starts in the mid-teens for the first contract year and steps down only gradually; a buyer who may need full liquidity inside the first few years should price the surrender charge against the bonused account value before committing premium.
  • The premium bonus vests across the full surrender ladder — exit before vesting completes and the unvested portion of the bonus is recaptured, so the bonus is only as good as the buyer's willingness to hold the full term.
  • Several listed indexes are proprietary volatility-controlled benchmarks; participation rates on these can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap. The RMD-friendly flag is set 'N' on this rider, so RMD-required-distribution buyers should map their qualified-money withdrawals against the rider's published mechanics before committing.

Not ideal for

Buyers who need full liquidity inside the surrender window, want a shorter-term commitment, dislike riders priced on the withdrawal base rather than the account value, or who need an RMD-friendly rider on qualified money — the EGMWB on this filing flags non-RMD-friendly.

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See how Accelerator Plus 10 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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All crediting strategies

View rate listings (28 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 250% · 1-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

10-yr surrender

Par: 245% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 195% · 1-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 190% + Spread: 0% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 185% + Spread: 5.5% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 145% · 1-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 110% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 100% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 85% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Par: 55% · 1-yr

S&P 500 Index

Rider Charge Included · participation

10-yr surrender

Cap: 12% · 1-yr

S&P 500 Index

Rider Charge Included · cap

10-yr surrender

Cap: 8.75% · 1-yr

S&P 500 Index

cap

10-yr surrender

Trigger: 7.75% · 1-yr

S&P 500 Index

Rider Charge Included · trigger

10-yr surrender

Trigger: 6% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 3.5% · 1-yr

S&P 500 Index

Rider Charge Included · monthly_sum_cap

10-yr surrender

Cap: 2.75% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 325% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 295% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 295% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Rider Charge Included · participation

10-yr surrender

Par: 285% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 275% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 260% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

10-yr surrender

Par: 235% + Spread: 5% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 205% + Spread: 5% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

10-yr surrender

Par: 205% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 140% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 125% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Income riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime withdrawal rate3.5%
Annual rider fee1.15%
Withdrawal-base growth5% roll-up

GLWB

Linked review

Accelerator Plus 10 review notes

Learn why the F&G Accelerator Plus annuity is perfect for growth-focused investors. Detailed review of this top fixed indexed annuity.

3.8/5Read review
Review rating details3.8/5
Financial strength4/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs4/5
Transparency and service4/5

CFA take

“In my view, the F&G Accelerator Plus is one of the more aggressive accumulation-oriented FIAs in the market, particularly for investors willing to actively optimize indexing strategies rather than simply defaulting to traditional S&P 500 allocations. The product stands out because of its unusually broad range of crediting options, uncapped participation-based strategies, competitive performance enhancement features, and an upfront premium bonus. In favorable market conditions, some of the uncapped volatility-controlled indices, have the potential to generate stronger long-term credits than many traditional FIAs. At the same time, the product comes with trade-offs that investors should understand clearly. The enhanced indexing options require additional rider fees, and the surrender schedule is relatively aggressive. The product also relies heavily on proprietary volatility-controlled indices, which can reduce upside participation during strong equity bull markets despite producing smoother returns over time. Still, for accumulation-focused investors comfortable with more sophisticated index structures and longer holding periods, I would view F&G Accelerator Plus as one of the stronger growth-focused FIA options currently available in the market.”

Nikhil Bhauwala

Common questions about Accelerator Plus 10

● Can I lose money in Accelerator Plus 10?

A negative index return by itself does not reduce the contract's account value: Accelerator Plus 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Enhanced Guaranteed Minimum Withdrawal Benefit income rider worth the 1.15% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 5% roll-up and 3.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Accelerator Plus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Accelerator Plus 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Home health care rider, Nursing home waiver, Terminal illness waiver

Premium bonus

10%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard AV Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.75%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

10.00%

Maximum spread: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

acceleratorplus10.pdf

Confidence: highReviewed Apr 4, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA-
Moody'sA3
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Accelerator Plus 10 currently shows 28 distinct indexed or fixed crediting choices across 40 current rate listings, including S&P 500 Index, with 20 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 2.75% monthly cap
  • S&P 500 Index: 8.75% annual cap
  • S&P 500 Index: 12% annual cap, 1.25% annual strategy fee
  • S&P 500 Index: 3.5% monthly cap, 1.25% annual strategy fee

Income rider language

What to look for before treating the rider as income

Enhanced Guaranteed Minimum Withdrawal Benefit is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 3.5% withdrawal rate
  • 1.15% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as acceleratorplus10.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Accelerator Plus 10 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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