Fixed Indexed Annuity

FG AccumulatorPlus 7

Fg Annuities And Life

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9.75%

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 7 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 7)

9.75%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 10.5% 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 7's published monthly cap (10.5% 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 7 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 7

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

9.75% cap on S&P 500

A seven-year-surrender F&G fixed indexed annuity — the shorter-term sibling of FG AccumulatorPlus 10 — built for index-linked accumulation on a diverse strategy menu (S&P 500 cap plus participation designs on three proprietary volatility-controlled indexes), with no income rider and no premium bonus.

1-year term7-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want the AccumulatorPlus chassis on a seven-year deferral rather than a ten-year commitment, value a strategy menu that mixes a benchmark S&P cap with multiple volatility-controlled participation alternatives, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

7 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

9.75% 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

Rider Charge Included

13% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

monthly avg cap

10.5% cap rate

Monthly 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

monthly sum cap

3% cap rate

Monthly sum

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

Rider Charge Included · monthly sum cap

3.75% cap rate

Monthly sum

Strategy fee: 1.25%/yr

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

Rider Charge Included · monthly avg cap

19.75% cap rate

Monthly cap

Strategy fee: 1.25%/yr

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

6.5% 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

Rider Charge Included

8.25% trigger rate

Performance trigger

Strategy fee: 1.25%/yr

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

Rider Charge Included

55% participation rate

Participation

Strategy fee: 1.25%/yr

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

Fixed Account

3.9% 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

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

Product analyst notes

How to think about this contract

Why it can stand out

Seven-year surrender ladder rather than the ten years that defines most of the F&G FIA shelf — shorter commitment to the same AccumulatorPlus chassis, and full surrender access without charge sooner than on the ten-year sibling.
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 can mix benchmark and volatility-controlled exposure on a shorter-term chassis.
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.
Even at seven years, this is still a multi-year commitment with a first-year surrender charge well into the high single digits. Buyers who may need full liquidity inside the surrender window should price the surrender charge against the account value before committing premium.
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 seven-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: 270% · 1-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation