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Fixed Indexed Annuity

F&G SecureIncome® 7

F&G Annuities and Life

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4.75%

Best S&P 500 Annual Cap

10%

Free W/D

48

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 SecureIncome® 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
$201,535
Est. value at age 80 (F&G SecureIncome® 7)
4.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.25% 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 SecureIncome® 7's published cap rate (8.25% 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.

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See how F&G SecureIncome® 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 SecureIncome® 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.

GLWB lifetime payout rate

5.3% lifetime payout + 7% roll-up

A seven-year-surrender F&G fixed indexed annuity built specifically around its named SecureIncome Enhanced GMWB rider — a guaranteed lifetime withdrawal benefit on a shorter rate-lock window than F&G's ten- or fourteen-year income filings.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Income-led buyers who want guaranteed lifetime withdrawals from an A-rated F&G chassis without committing to a decade-plus surrender schedule, are comfortable with a narrower index menu because the rider, not the indexes, is the lead promise.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.75% cap rate

Annual cap

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

S&P 500

S&P 500 Index

3.75% trigger rate

Performance trigger

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

S&P 500

S&P 500 Index

30% participation rate

Participation

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

S&P 500

S&P 500 Index

8.25% cap rate

Cap strategy

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

Fixed Account

Fixed Account

3% declared rate

Fixed account

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

Lifetime Income Riders

Income rider

SecureIncome EGMWB

Lifetime payout rate5.3% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up7%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Seven-year surrender term — short for an income-led FIA. Most rider-based GLWB filings ship on a ten- or fourteen-year chassis; this product delivers the same rider mechanics on a shorter rate-lock window, so a buyer who wants guaranteed lifetime income without a decade-plus commitment has an honest option.
  • Single, named SecureIncome EGMWB rider — no menu of three or four rider variants to evaluate against each other, and the rider's design is purpose-built for the seven-year chassis rather than retrofitted from a longer product.
  • Narrow, comprehensible index menu (S&P 500 + one CIBC volatility-controlled benchmark) means the buyer can map the income-base growth engine without weighing five proprietary indexes against each other — the rider is the product, the indexes feed it.
  • Two named surrender-charge waivers (nursing home, terminal illness) provide named exits from the seven-year surrender schedule for the life events most likely to force early access.

What to confirm

  • The rider's published lifetime payout rate on a seven-year-surrender chassis can be lower than the same carrier's rider on a longer-surrender filing — F&G prices longer rate-lock windows higher because the carrier hedges over a longer horizon. Buyers should compare this rider's gross lifetime income against F&G's ten-year siblings (Performance Pro, Prosperity Elite 10) before assuming the shorter term is the better deal.
  • The annual rider 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.
  • Two rider fee tiers (a lower fee for a more conservative configuration, a higher fee for a richer configuration) — make sure the rider variant being quoted matches the rider variant being illustrated. The published payout rate is meaningless without the matching fee.
  • The accumulation engine is deliberately narrow — only one volatility-controlled index alongside the S&P 500. Buyers who want broad index diversification across five or more crediting strategies should compare against F&G's accumulation-led siblings (F&G Power Accumulator 7/10, FG AccumulatorPlus 7/10).

Not ideal for

Buyers who want a wider index menu for accumulation, want to choose between multiple rider designs at issue, or want to compare a seven-year rider payout against a ten- or fourteen-year F&G rider payout without first checking which longer-term sibling pays more on the same money.

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See how F&G SecureIncome® 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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All crediting strategies

View rate listings (5 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: 30% · 1-yr

S&P 500 Index

participation

7-yr surrender

Cap: 4.75% · 1-yr

S&P 500 Index

cap

7-yr surrender

Trigger: 3.75% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

7-yr surrender

Cap: 8.25% · 2-yr

S&P 500 Index

cap

7-yr surrender

Income riders

Income rider

SecureIncome EGMWB

Lifetime withdrawal rate5.3%
Annual rider fee1.15%
Withdrawal-base growth7% roll-up

GLWB

Linked review

F&G SecureIncome® 7 review notes

In-depth review of the F&G SecureIncome FIA: rates, fees, surrender charges, riders, and how the EGMWB delivers guaranteed lifetime income.

4.5/5Read review
Nikhil Bhauwala

Common questions about F&G SecureIncome® 7

● Can I lose money in F&G SecureIncome® 7?

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

● Is the SecureIncome EGMWB 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% roll-up and 5.3% 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 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 SecureIncome® 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current F&G SecureIncome® 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.

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

ADV2175 FG SecureIncome 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 SecureIncome® 7 currently shows 5 indexed or fixed crediting options, including S&P 500 Index. 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: 4.75% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 30% annual participation rate
  • S&P 500 Index: 8.25% 2-year cap

Income rider language

What to look for before treating the rider as income

SecureIncome EGMWB 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.

  • 5.3% 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
  • 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 ADV2175 FG SecureIncome 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 SecureIncome® 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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