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Fixed Indexed Annuity

F&G Power Accumulator 7

F&G Annuities and Life

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9.75%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 9, 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 F&G Power Accumulator 7 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 9, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$281,436
Est. value at age 80 (F&G Power Accumulator 7)
9.75%
Best S&P 500 1-yr point-to-point cap
iShares Core S&P 500 ETF — 17.5% Cap (2-yr point-to-point)
✦
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 F&G Power Accumulator 7's published cap rate (17.5% on iShares Core S&P 500 ETF) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 9, 2026.

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See how F&G Power Accumulator 7 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 F&G Power Accumulator 7

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 9, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.75% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want the Power Accumulator chassis on a seven-year deferral rather than a ten-year commitment, value the ability to mix benchmark and ETF-tracking S&P exposure on the same contract, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

iShares Core S&P 500 ETF

9.75% cap rate

Annual cap

1-year term · 7-year surrender · Premium band not shown

S&P 500

iShares Core S&P 500 ETF

50% participation rate

Participation

1-year term · 7-year surrender · Premium band not shown

S&P 500

iShares Core S&P 500 ETF

17.5% cap rate

Cap strategy

2-year term · 7-year surrender · Premium band not shown

S&P 500

iShares Core S&P 500 ETF

70% participation rate + 2.5% spread

Participation

2-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 7-year surrender · Premium band not shown

+ 19 additional crediting options (Balanced, iShares Gold, iShares MSCI...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Seven-year surrender ladder rather than the full ten years that defines the rest of the F&G FIA shelf — shorter commitment to the same Power Accumulator chassis, and full surrender access without charge sooner than on the ten-year sibling.
  • Two paths to S&P exposure are available on the same contract — an annual point-to-point cap on the unmanaged S&P 500 index and a participation-rate design on the iShares Core S&P 500 ETF — so a buyer choosing S&P-linked accumulation can pick the crediting mechanic that best fits their view.
  • Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view is corroborated across multiple agencies rather than resting on a single-source read.
  • Two named surrender-charge waivers (nursing home, terminal illness) plus a published annual free-withdrawal allowance preserve named penalty-free exits from the surrender ladder for both routine cash needs and major life events.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no optional GLWB income rider attached — the live feed shows an empty income-rider list — so a buyer who needs a contractually defined lifetime payout should not compare this contract side-by-side with a rider-led income FIA.
  • There is no premium bonus on this contract — the working principal starts at the gross premium paid in, with no upfront credit to offset the surrender commitment. There is also no death-benefit roll-up beyond the standard contract value.
  • Several listed strategies sit on proprietary volatility-controlled indexes (BlackRock Market Advantage, CIBC Balanced, Morgan Stanley US Equity Allocator). Participation rates on these can look high in absolute terms but are not directly comparable to an uncontrolled benchmark-index cap. The guaranteed-minimum strategy floors on this filing are very low, so caps and participation rates can reset down toward those floors over the seven-year surrender term and the buyer carries that renewal risk for the full term.
  • Even at seven years, this is still a multi-year commitment with a first-year surrender charge well into the high single digits. Buyers who may need full liquidity inside the surrender window should price the surrender charge against the account value before committing premium.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want full liquidity inside the surrender window, expect a premium bonus to offset the surrender commitment, or want a death-benefit roll-up beyond the standard contract value — F&G's ten-year Power Accumulator 10 is the longer-term sibling on the same chassis.

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All crediting strategies

View rate listings (24 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: 275% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Strategy Fee Included · participation

7-yr surrender

Par: 215% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

7-yr surrender

Par: 210% · 1-yr

BlackRock Market Advantage Index

Strategy Fee Included · participation

7-yr surrender

Par: 165% + Spread: 0% · 1-yr

BlackRock Market Advantage Index

participation

7-yr surrender

Par: 120% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Strategy Fee Included · participation

7-yr surrender

Par: 110% · 1-yr

CIBC Balanced 10% Volatility Control ER Index

participation

7-yr surrender

Par: 95% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

7-yr surrender

Par: 60% · 1-yr

iShares US Real Estate ETF

participation

7-yr surrender

Par: 55% · 1-yr

iShares MSCI EAFE ETF

participation

7-yr surrender

Par: 50% · 1-yr

iShares Core S&P 500 ETF

participation

7-yr surrender

Par: 40% · 1-yr

iShares Gold Trust

participation

7-yr surrender

Cap: 9.75% · 1-yr

iShares Core S&P 500 ETF

cap

7-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 355% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Strategy Fee Included · participation

7-yr surrender

Par: 320% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

7-yr surrender

Par: 265% · 2-yr

BlackRock Market Advantage Index

Strategy Fee Included · participation

7-yr surrender

Par: 240% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

7-yr surrender

Par: 205% + Spread: 3% · 2-yr

CIBC Balanced 10% Volatility Control ER Index

participation

7-yr surrender

Par: 150% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Strategy Fee Included · participation

7-yr surrender

Par: 140% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

7-yr surrender

Par: 85% + Spread: 4.5% · 2-yr

iShares MSCI EAFE ETF

participation

7-yr surrender

Par: 85% + Spread: 2.5% · 2-yr

iShares US Real Estate ETF

participation

7-yr surrender

Par: 70% + Spread: 2.5% · 2-yr

iShares Core S&P 500 ETF

participation

7-yr surrender

Cap: 17.5% · 2-yr

iShares Core S&P 500 ETF

cap

7-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

F&G Power Accumulator 7 review notes

Learn about F&G Power Accumulator, a fixed indexed annuity offering accumulation, safety, and tax deferral. Discover its features, rates, and more.

4/5Read review
Review rating details4/5
Financial strength4/5
Return potential5/5
Income and benefits4/5
Free benefits, liquidity, and costs3/5
Transparency and service4/5

CFA take

“In my view, the F&G Power Accumulator is one of the cleaner and more accumulation-focused FIAs available for investors who prefer simplicity over rider-heavy product structures. The biggest differentiator is the product’s ETF-linked crediting options, including exposure tied to the iShares S&P 500 ETF, MSCI EAFE ETF, Gold Trust, and U.S. Real Estate ETF. That gives the annuity a more diversified and modern feel compared to many traditional FIAs that rely solely on proprietary volatility-controlled indices. The uncapped participation-based strategies are also relatively competitive and can offer attractive long-term accumulation potential in favorable market environments. What I also like is the absence of optional paid riders, which keeps the product easier to understand and avoids the drag of layered rider fees that often reduce overall accumulation efficiency. However, investors should still recognize the trade-offs. Several strategies combine participation rates with spreads, which are generally less efficient structures, and the product lacks enhanced income or legacy-focused rider flexibility for retirees seeking guaranteed lifetime withdrawals. The surrender schedule is also relatively steep, making this better suited for long-term accumulation-focused investors rather than those prioritizing liquidity. Overall, I would view F&G Power Accumulator as a solid plain-vanilla FIA for investors seeking principal protection, tax-deferred growth, and relatively strong accumulation potential without excessive product complexity.”

Nikhil Bhauwala

Common questions about F&G Power Accumulator 7

● Can I lose money in F&G Power Accumulator 7?

A negative index return by itself does not reduce the contract's account value: F&G Power Accumulator 7 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.

● 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 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do F&G Power Accumulator 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current F&G Power Accumulator 7 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

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.

Fixed account guarantee

1.75%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

15.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

15.00%

Maximum spread: 15.00%

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%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

advisor sheet

ADV2099 FG Power Accumulator 7 (AAG)-iSHARES.pdf

Confidence: highReviewed Apr 7, 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

F&G Power Accumulator 7 currently shows 24 distinct indexed or fixed crediting choices across 30 current rate listings, including iShares Core S&P 500 ETF, with 19 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.

  • iShares Core S&P 500 ETF: 9.75% annual cap
  • iShares Core S&P 500 ETF: 50% annual participation rate
  • iShares Core S&P 500 ETF: 17.5% 2-year cap
  • iShares Core S&P 500 ETF: 70% 2-year participation rate

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
  • 7 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 ADV2099 FG Power Accumulator 7 (AAG)-iSHARES.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

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See how F&G Power Accumulator 7 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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