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Fixed Indexed Annuity

F&G Safe Income Advantage

F&G Annuities and Life

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2.5%

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 Safe Income Advantage 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
$314,891
Est. value at age 80 (F&G Safe Income Advantage)
2.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 3.5% Monthly cap (Monthly Avg Cap)
✦
How crediting works: the monthly cap limits each positive monthly index return before monthly returns are summed; a down year credits 0%, never a loss. A monthly cap strategy uses month-by-month index changes rather than a single annual point-to-point return. What is a cap vs participation? →
Assumptions: illustrative — applies F&G Safe Income Advantage's published monthly cap (3.5% on S&P 500 Index) to a standard benchmark hypothetical monthly index path. Positive monthly returns are capped month by month, negative monthly returns are included in the annual sum, and the final annual credit is floored at 0% over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 9, 2026.

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See how F&G Safe Income Advantage 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 Safe Income Advantage

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.

GLWB lifetime payout rate

5.18% lifetime payout + 7.2% roll-up

A ten-year-surrender F&G fixed indexed annuity built specifically for guaranteed lifetime income, with three named rider options (Level, CPI-linked, Constant Increase) so a buyer can match the payout-shape mechanic to their inflation outlook and spending pattern.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Income-led buyers who want flexibility in payout shape (flat vs inflation-adjusted vs formula-stepped) at issue, are comfortable holding the full ten-year deferral, and value an inflation-linked rider option rather than a formula-driven 'constant increase' approximation.

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 avg cap

3.5% cap rate

Monthly cap

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

S&P 500

S&P 500 Index

2.5% cap rate

Annual cap

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

S&P 500

S&P 500 Index

monthly sum cap

1.5% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

2.25% trigger rate

Performance trigger

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

Fixed Account

Fixed Account

2.5% declared rate

Fixed account

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

+ 6 additional crediting options (Balanced, BlackRock...)

Lifetime Income Riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit - Option 1/ Income

Lifetime payout rate5.18% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up7.2%/yr

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit - Option 2/ CPI Increase

Lifetime payout rate4.39% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up7.2%/yr

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit - Option 3/ Constant Increase

Lifetime payout rate4% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up7.2%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Three named Enhanced GMWB options — Level Income, CPI Increase, and Constant Increase — let a buyer choose the income shape that matches their inflation view and spending pattern rather than being locked into one rider design.
  • The CPI Increase option directly links rider step-ups to a published inflation index — a rare feature on FIA income riders, where most increase mechanics use a formula-driven 'constant' annual step-up rather than an actual inflation gauge.
  • Wide index menu on the accumulation engine — S&P 500 annual point-to-point cap and participation strategies alongside BlackRock Market Advantage and CIBC Balanced 5% Vol-Control ER — feeding the income base across multiple crediting mechanics.
  • Two named surrender-charge waivers (nursing home, terminal illness) provide named exits from the ten-year surrender ladder for the life events most likely to force early access.

What to confirm

  • The three rider options publish different fee rates — higher-fee options apply more income-base growth mechanics, so the headline payout-rate comparison is not apples-to-apples across the three. Map total expected lifetime income net of rider fees, not just the gross withdrawal rate, before choosing a rider option.
  • The CPI Increase option's step-ups are subject to a published cap on the annual inflation pass-through — meaning the rider does not pay raw CPI in a high-inflation year. Buyers using this rider as primary inflation protection should compare its cap mechanics against their personal inflation exposure.
  • Each rider option's annual fee is charged on the income/withdrawal base, not the account value — effective rider cost runs higher than the headline percentage looks, and that fee continues for as long as the rider is in force.
  • Ten-year surrender schedule is at the longer end of the FIA market; buyers who may need full liquidity inside the surrender window should price the surrender charge against the income-base value before committing premium.

Not ideal for

Accumulation-only buyers who don't need a lifetime-income rider, buyers who want shorter-term liquidity inside the surrender window, or buyers who want a flat rider fee structure rather than payout-base mechanics across multiple rider options.

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See how F&G Safe Income Advantage 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 (11 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: 120% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 80% + Spread: 100% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 50% + Spread: 0% · 1-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Cap: 3.5% · 1-yr

S&P 500 Index

monthly_avg_cap

10-yr surrender

Fixed: 2.5% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 2.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Trigger: 2.25% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Cap: 1.5% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 130% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 110% + Spread: 100% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 70% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Income riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit - Option 1/ Level Income

Lifetime withdrawal rate5.18%
Annual rider fee1.15%
Withdrawal-base growth7.2% roll-up

GLWB

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit - Option 2/ CPI Increase

Lifetime withdrawal rate4.39%
Annual rider fee1.15%
Withdrawal-base growth7.2% roll-up

GLWB

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit - Option 3/ Constant Increase

Lifetime withdrawal rate4%
Annual rider fee1.15%
Withdrawal-base growth7.2% roll-up

GLWB

Linked review

F&G Safe Income Advantage review notes

xplore the features and benefits of the F&G Safe Income Advantage annuity, a fixed-indexed option offering guaranteed lifetime income.

5/5Read review
Nikhil Bhauwala

Common questions about F&G Safe Income Advantage

● Can I lose money in F&G Safe Income Advantage?

A negative index return by itself does not reduce the contract's account value: F&G Safe Income Advantage 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 - Option 1/ Level Income 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 7.2% roll-up and 5.18% 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 F&G Safe Income Advantage's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current F&G Safe Income Advantage 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.

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

30.00%

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

ADV2780 FG Safe Income Advantage (CB).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 Safe Income Advantage currently shows 11 distinct indexed or fixed crediting choices across 13 current rate listings, including S&P 500 Index, with 6 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: 3.5% monthly cap
  • S&P 500 Index: 2.5% annual cap
  • S&P 500 Index: 1.5% monthly cap
  • S&P 500 Index: 100% annual participation rate

Income rider language

What to look for before treating the rider as income

Enhanced Guaranteed Minimum Withdrawal Benefit - Option 1/ Level Income 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.

  • 5.18% 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 ADV2780 FG Safe Income Advantage (CB).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 F&G Safe Income Advantage compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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