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 SecureBuilder® 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 SecureBuilder®)
10%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 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 SecureBuilder®'s published cap rate (17.5% 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; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 9, 2026.
Free Comparison Report
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See how F&G SecureBuilder® compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.
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
10% cap on S&P 500
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.
1-year termAdvisorWorld + CANNEX data
Best fit
Buyers who want a straightforward accumulation FIA without rider complexity, want to compare 5-year and 7-year surrender options on the same product, value a focused strategy menu over a long list of overlapping options, and want the carrier-credit profile corroborated by three rating agencies before committing premium.
AM Best
A Excellent
Surrender options
5 and 7 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. Montana, New York)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
10% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
10% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
6.5% trigger rate
Performance trigger
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
6.75% trigger rate
Performance trigger
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
50% participation rate
Participation
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
50% participation rate
Participation
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
17.5% cap rate
Cap strategy
2-year term · 5-year surrender · $100,000+
Rate varies by premium band.
2-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
17.5% cap rate
Cap strategy
2-year term · 7-year surrender · $100,000+
Rate varies by premium band.
2-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
4% declared rate
Fixed account
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
4.25% declared rate
Fixed account
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
+ 12 additional crediting options (Balanced...)
Product analyst notes
How to think about this contract
Why it can stand out
Choice of 5-year or 7-year surrender terms rather than the ten years that defines much of the F&G FIA shelf — shorter commitment to a straightforward accumulation chassis, and full surrender access without charge sooner than on ten-year filings.
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.
Strategy menu is intentionally focused — an S&P 500 annual point-to-point cap, a CIBC Balanced participation design, and a fixed-account option — so the buyer is not asked to choose among a long list of overlapping strategies and can compare the cap directly to peer FIAs.
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 routine cash needs and the major-life-event categories the waivers cover.
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.
The narrow strategy menu means a buyer whose view differs from the S&P 500 outlook has limited alternatives on this filing — only the CIBC Balanced participation design as a non-S&P option. Buyers who want exposure to small-cap, international, or sector-focused indexes should look at F&G's broader-strategy filings (Power Accumulator, AccumulatorPlus, Performance Pro).
The CIBC Balanced strategy sits on a proprietary volatility-controlled index; participation rates on this can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 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 selected surrender term and the buyer carries that renewal risk for the full term.
Not ideal for
Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a broad strategy menu spanning small-cap, international, or sector indexes, expect a premium bonus to offset the surrender commitment, or want a death-benefit roll-up beyond the standard contract value.
Free Comparison Report
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See how F&G SecureBuilder® compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.
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: 215% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
participation
5-yr surrender$100,000+
Par: 50% · 1-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 10% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Trigger: 8.25% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
trigger
5-yr surrender$100,000+
Trigger: 6.5% · 1-yr
S&P 500 Index
trigger
5-yr surrender$100,000+
Fixed: 4% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 305% · 2-yr
CIBC Balanced 5% Volatility Control ER Index
participation
5-yr surrender$100,000+
Cap: 17.5% · 2-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Par: 205% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
participation
5-yr surrenderUp to $99,999.99
Par: 45% · 1-yr
S&P 500 Index
participation
5-yr surrenderUp to $99,999.99
Cap: 9.5% · 1-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Trigger: 7.75% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
trigger
5-yr surrenderUp to $99,999.99
Par: 295% · 2-yr
CIBC Balanced 5% Volatility Control ER Index
participation
5-yr surrenderUp to $99,999.99
Cap: 16.25% · 2-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Par: 220% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
participation
7-yr surrender$100,000+
Trigger: 8.5% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
trigger
7-yr surrender$100,000+
Trigger: 6.75% · 1-yr
S&P 500 Index
trigger
7-yr surrender$100,000+
Fixed: 4.25% · 1-yr
Fixed Account
fixed
7-yr surrender$100,000+
Par: 310% · 2-yr
CIBC Balanced 5% Volatility Control ER Index
participation
7-yr surrender$100,000+
Par: 210% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
participation
7-yr surrenderUp to $99,999.99
Trigger: 8% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
trigger
7-yr surrenderUp to $99,999.99
Par: 300% · 2-yr
CIBC Balanced 5% Volatility Control ER Index
participation
7-yr surrenderUp to $99,999.99
Cap: 16.5% · 2-yr
S&P 500 Index
cap
7-yr surrenderUp to $99,999.99
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 SecureBuilder® review notes
Detailed, unbiased review of the F&G SecureBuilder FIA covering rates, crediting strategies, liquidity, pros, cons, and who it fits best.
A negative index return by itself does not reduce the contract's account value: F&G SecureBuilder® 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 SecureBuilder®'s crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current F&G SecureBuilder® 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
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
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
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Documents
product guide
ADV2173 FG SecureBuilder 5-7 (AAG)-Standard.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 SecureBuilder® currently shows 19 distinct indexed or fixed crediting choices across 32 current rate listings, including S&P 500 Index, with 9 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: 10% annual cap
S&P 500 Index: 9.5% annual cap
S&P 500 Index: 100% annual participation rate
S&P 500 Index: 50% annual 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 ADV2173 FG SecureBuilder 5-7 (AAG)-Standard.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 SecureBuilder® compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.