Fixed Indexed Annuity

FG AccumulatorPlus 10

Fg Annuities And Life

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10%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: September 18, 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 strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of September 18, 2026; not a projection or guarantee.

Premium$100,000

Your age60

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 — 10.75% 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 FG AccumulatorPlus 10's published monthly cap (10.75% 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 September 18, 2026.

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See how FG AccumulatorPlus 10 compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.

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rate data

Run numbers for FG AccumulatorPlus 10

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 18, 2026, from AdvisorWorld and CANNEX.

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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

monthly avg cap

10.75% cap rate

Monthly cap

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

10% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

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 · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

3.05% cap rate

Monthly sum

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

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 · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

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 · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

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 · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

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 · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

Fixed Account

3.9% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

+ 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 contract, 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 contract 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 source-backed lifetime-income specifics directly from this page should not rely on this product page alone; use a carrier illustration or a CANNEX response that publishes rider mechanics.

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All crediting strategies

View rate listings (30 strategies)

These are the current crediting strategies available 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