Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
4.75%
Best S&P 500 Annual Cap
10%
Free W/D
48
Available jurisdictions
Product data status: September 4, 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
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how F&G SecureIncome® 7 compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Fg Annuities And Life product.
Live product data
Rates as of September 4, 2026, from AdvisorWorld and CANNEX.
GLWB lifetime payout rate
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.
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 (excl. Idaho, Montana, New York)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
4.75% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
3.75% trigger rate
Performance trigger
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
30% participation rate
Participation
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.25% cap rate
Cap strategy
2-year term · 7-year surrender · Does not vary by premium
2-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3% declared rate
Fixed account
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Income rider
Product analyst notes
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.
Free Comparison Report
See how F&G SecureIncome® 7 compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.
These are the current crediting strategies available 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
Cap: 4.75% · 1-yr
S&P 500 Index
cap
Trigger: 3.75% · 1-yr
S&P 500 Index
trigger
Fixed: 3% · 1-yr
Fixed Account
fixed
Cap: 8.25% · 2-yr
S&P 500 Index
cap
Income rider
GLWB
Linked review
In-depth review of the F&G SecureIncome FIA: rates, fees, surrender charges, riders, and how the EGMWB delivers guaranteed lifetime income.
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 the published rider fee, withdrawals, surrender charges, 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.
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 5.37% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay another available 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.
Annual amount that may be available without surrender charges, subject to contract terms.
Home health care rider, Nursing home waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap for cap-based indexed strategies.
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Published payout options from the normalized contract facts.
Availability can vary by state and product terms.
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
product guide
Direct link not published — request the document from the carrier.
Crediting design
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, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Income rider language
SecureIncome EGMWB is the main income rider listed 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.
Liquidity terms
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.
Verification note
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.
Free Comparison Report
See how F&G SecureIncome® 7 compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.
Machine-readable citation contract
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.
<a href='https://annuityrateshq.com/rate-index'>Rate data: AnnuityRatesHQ Annuity Rate Index</a>Full attribution terms and copy-ready HTML: annuityrateshq.com/cite-us