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Fixed Indexed Annuity

FG AccumulatorPlus 7

Fidelity and Guaranty

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9.75%

Best S&P 500 Annual Cap

10%

Free W/D

51

Jurisdictions

Product data status: July 2, 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, 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 2, 2026; not a projection or guarantee.
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 — 19.75% 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 7's published monthly cap (19.75% 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 July 2, 2026.

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See how FG AccumulatorPlus 7 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 7

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 2, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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 termAdvisorWorld + 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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.75% cap rate

Annual cap

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

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 · Premium band not shown

S&P 500

S&P 500 Index

monthly avg cap

10.5% cap rate

Monthly cap

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

S&P 500

S&P 500 Index

monthly sum cap

3% cap rate

Monthly sum

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

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 · Premium band not shown

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 · Premium band not shown

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

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

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 · 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 · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

1-year term · 7-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

  • 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 filing 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 a contractually guaranteed GLWB-rider withdrawal rate, want full liquidity inside the surrender window, expect a premium bonus to offset the surrender commitment, or want a death-benefit roll-up beyond the standard contract value — F&G's ten-year FG AccumulatorPlus 10 is the longer-term sibling on the same chassis.

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See how FG AccumulatorPlus 7 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: 270% · 1-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

7-yr surrender

Par: 210% + Spread: 0% · 1-yr

Goldman Sachs Global Factor Index

participation

7-yr surrender

Par: 110% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

7-yr surrender

Par: 85% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

7-yr surrender

Par: 55% · 1-yr

S&P 500 Index

Rider Charge Included · participation

7-yr surrender

Cap: 13% · 1-yr

S&P 500 Index

Rider Charge Included · cap

7-yr surrender

Cap: 10.5% · 1-yr

S&P 500 Index

monthly_avg_cap

7-yr surrender

Cap: 9.75% · 1-yr

S&P 500 Index

cap

7-yr surrender

Trigger: 8.25% · 1-yr

S&P 500 Index

Rider Charge Included · trigger

7-yr surrender

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Fixed: 3.9% · 1-yr

Fixed Account

fixed

7-yr surrender

Cap: 3.75% · 1-yr

S&P 500 Index

Rider Charge Included · monthly_sum_cap

7-yr surrender

Cap: 3% · 1-yr

S&P 500 Index

monthly_sum_cap

7-yr surrender

Cap: 19.75% · 1-yr

S&P 500 Index

Rider Charge Included · monthly_avg_cap

7-yr surrender

Par: 350% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

7-yr surrender

Par: 315% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

7-yr surrender

Par: 145% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

7-yr surrender

Par: 130% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

7-yr surrender

Par: 325% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

Rider Charge Included · participation

7-yr surrender

Par: 285% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

7-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 7

● Can I lose money in FG AccumulatorPlus 7?

A negative index return by itself does not reduce the contract's account value: FG AccumulatorPlus 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.

● 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 FG AccumulatorPlus 7's crediting strategies compare?

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

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%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

advisor sheet

ADV2032 FG AccumulatorPlus 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

FG AccumulatorPlus 7 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: 9.75% annual cap
  • S&P 500 Index: 13% annual cap, 1.25% annual strategy fee
  • S&P 500 Index: 10.5% monthly cap
  • S&P 500 Index: 3% 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
  • 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 ADV2032 FG AccumulatorPlus 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

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Free Comparison Report

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