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Fixed Indexed Annuity

FG AccumulatorPlus 10

Fidelity and Guaranty

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10%

Best S&P 500 Annual Cap

10%

Free W/D

51

Jurisdictions

Product data status: July 3, 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 FG AccumulatorPlus 10 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 3, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,891
Est. value at age 80 (FG AccumulatorPlus 10)
10%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 20% Monthly cap (Rider Charge Included · 1.25% fee)
✦
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 FG AccumulatorPlus 10's published monthly cap (20% 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 3, 2026.

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See how FG AccumulatorPlus 10 compares for your age, state, premium, and income goals alongside other Fidelity and Guaranty fixed indexed annuity options.

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Live rate data

Run live numbers for FG AccumulatorPlus 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Fidelity and Guaranty product.

Live product data

Rates as of July 3, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

10% cap on S&P 500

A ten-year-surrender F&G fixed indexed annuity built for index-linked accumulation on a diverse strategy menu (S&P 500 annual point-to-point cap plus participation designs on three proprietary volatility-controlled indexes), with no income rider, no premium bonus, and three-agency financial-strength corroboration.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation across both a recognizable benchmark cap and multiple volatility-controlled participation alternatives, don't need a guaranteed lifetime-income rider, and want a no-bonus accumulation chassis from a carrier with three-agency financial-strength corroboration.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

monthly avg cap

10.75% cap rate

Monthly cap

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

S&P 500

S&P 500 Index

10% cap rate

Annual cap

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

S&P 500

S&P 500 Index

Rider Charge Included

13.25% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

S&P 500

S&P 500 Index

monthly sum cap

3.05% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

Rider Charge Included · monthly sum cap

3.8% cap rate

Monthly sum

Strategy fee: 1.25%/yr

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

S&P 500

S&P 500 Index

Rider Charge Included · monthly avg cap

20% cap rate

Monthly cap

Strategy fee: 1.25%/yr

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

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

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

S&P 500

S&P 500 Index

Rider Charge Included

8.5% trigger rate

Performance trigger

Strategy fee: 1.25%/yr

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

S&P 500

S&P 500 Index

Rider Charge Included

55% participation rate

Participation

Strategy fee: 1.25%/yr

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

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

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

+ 10 additional crediting options (Goldman Sachs, Morgan Stanley, Barclays Trailblazer...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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 pairs a like-for-like S&P 500 annual point-to-point cap with participation designs on three different proprietary volatility-controlled indexes (Barclays Trailblazer Sectors 5, Goldman Sachs Global Factor, Morgan Stanley US Equity Allocator), so a buyer who wants benchmark-index exposure and a buyer who wants higher-participation diversified alternatives can both find a fit on the same contract.
  • Three named surrender-charge waivers (nursing home, RMD, terminal illness) plus a published annual free-withdrawal allowance preserve named penalty-free exits from the ten-year surrender ladder for routine cash needs, qualified-money required distributions, and the major-life-event categories the waivers cover.
  • Available in every US jurisdiction the live feed reports for F&G FIAs on this filing, so a buyer in essentially any state can purchase the contract without state-availability gating.

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 ten-year surrender commitment. F&G's Prosperity Elite 10 and Accelerator Plus 10 ship with premium bonuses on the same ten-year-surrender chassis; this AccumulatorPlus 10 filing is the no-bonus accumulation alternative.
  • The ten-year surrender term is at the long end of the FIA market, with a high first-year surrender charge that does not drop into the low single digits until late in the schedule. Buyers who do not need a full ten-year deferral should compare F&G's FG AccumulatorPlus 7 seven-year sibling on the same chassis.
  • Strategies on the Barclays Trailblazer Sectors 5, Goldman Sachs Global Factor, and Morgan Stanley US Equity Allocator indexes are proprietary volatility-controlled benchmarks; participation rates on these 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 ten-year 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 shorter surrender commitment (F&G's FG AccumulatorPlus 7 is the seven-year sibling), expect a premium bonus to offset the surrender commitment (F&G publishes Prosperity Elite 10 and Accelerator Plus 10 with bonuses on the same term), or want a death-benefit roll-up beyond the standard contract value.

Free Comparison Report

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See how FG AccumulatorPlus 10 compares for your age, state, premium, and income goals alongside other Fidelity and Guaranty fixed indexed annuity options.

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All crediting strategies

View rate listings (20 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

Goldman Sachs Global Factor Index

Rider Charge Included · participation

10-yr surrender

Par: 215% + Spread: 0% · 1-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 115% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 90% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Par: 55% · 1-yr

S&P 500 Index

Rider Charge Included · participation

10-yr surrender

Cap: 13.25% · 1-yr

S&P 500 Index

Rider Charge Included · cap

10-yr surrender

Cap: 10.75% · 1-yr

S&P 500 Index

monthly_avg_cap

10-yr surrender

Cap: 10% · 1-yr

S&P 500 Index

cap

10-yr surrender

Trigger: 8.5% · 1-yr

S&P 500 Index

Rider Charge Included · trigger

10-yr surrender

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Fixed: 3.9% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 3.8% · 1-yr

S&P 500 Index

Rider Charge Included · monthly_sum_cap

10-yr surrender

Cap: 3.05% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Cap: 20% · 1-yr

S&P 500 Index

Rider Charge Included · monthly_avg_cap

10-yr surrender

Par: 355% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

10-yr surrender

Par: 330% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Rider Charge Included · participation

10-yr surrender

Par: 320% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 290% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

10-yr surrender

Par: 150% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 135% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

10-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.

Common questions about FG AccumulatorPlus 10

● Can I lose money in FG AccumulatorPlus 10?

A negative index return by itself does not reduce the contract's account value: FG AccumulatorPlus 10 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 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do FG AccumulatorPlus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current FG AccumulatorPlus 10 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

4

Home health care rider, Nursing home waiver, RMD 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

0.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

5.00%

Maximum spread: 5.00%

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, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

advisor sheet

ADV2033 FG AccumulatorPlus 10 (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

FG AccumulatorPlus 10 currently shows 20 distinct indexed or fixed crediting choices across 30 current rate listings, including S&P 500 Index, with 10 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: 10.75% monthly cap
  • S&P 500 Index: 10% annual cap
  • S&P 500 Index: 13.25% annual cap, 1.25% annual strategy fee
  • S&P 500 Index: 3.05% monthly cap

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
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as ADV2033 FG AccumulatorPlus 10 (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

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Free Comparison Report

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See how FG AccumulatorPlus 10 compares for your age, state, premium, and income goals alongside other Fidelity and Guaranty fixed indexed annuity options.

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