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Fixed Indexed Annuity

Performance Pro

F&G Annuities and Life

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5.75%

Best S&P 500 Annual Cap

10%

Free W/D

51

Jurisdictions

Product data status: July 9, 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 Performance Pro 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 9, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Performance Pro)
18%
Premium bonus offered
Gold Commodity / LBMA Gold Price PM — 6% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Performance Pro's published cap rate (6% on Gold Commodity / LBMA Gold Price PM) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 9, 2026.

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See how Performance Pro compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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Live rate data

Run live numbers for Performance Pro

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this F&G Annuities and Life product.

Live product data

Rates as of July 8, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

3.35% lifetime payout + 2.75% roll-up

A ten-year-surrender F&G fixed indexed annuity with a very large premium bonus and an optional Enhanced GMWB rider — F&G's broadest accumulation engine paired with bonus-amplified guaranteed lifetime income for long-deferral buyers.

0.1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Bonus-driven income buyers who can hold the full ten-year deferral, want the largest available F&G premium bonus to inflate the GLWB rider's income base, and value the broadest available index menu for diversifying the accumulation engine that drives the income base.

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

5.75% cap rate

Annual cap

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

S&P 500

S&P 500 Index

monthly sum cap

1.9% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

10% cap rate

Cap strategy

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

S&P 500

S&P 500 Index

16% cap rate

Cap strategy

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

Fixed Account

Fixed Account

2.75% declared rate

Fixed account

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

+ 12 additional crediting options (Goldman Sachs, Gold Commodity, Balanced...)

Lifetime Income Riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime payout rate3.35% lifetime payout
Annual rider fee0.1% annual rider fee
Guaranteed roll-up2.75%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Very large published premium bonus — F&G's largest on a ten-year-surrender chassis — credited to the income base up front and vested across the surrender ladder, giving the GLWB rider a substantially higher starting income base to apply its lifetime payout against.
  • Optional EGMWB rider with multiple fee tiers — a buyer can choose between a lower-fee configuration with a more conservative income-base growth engine and a higher-fee configuration with a richer growth engine, rather than being locked into a single rider design.
  • Eight-index strategy menu, the broadest in F&G's income-led lineup — including S&P 500 annual point-to-point cap, BlackRock Market Advantage, CIBC Balanced 5% Vol-Control ER, Goldman Sachs Global Factor, Morgan Stanley US Equity Allocator, Barclays Trailblazer Sectors 5, and an LBMA Gold Price-linked strategy — so the income-base growth engine has wide diversification options.
  • Two named surrender-charge waivers (nursing home, terminal illness) provide named exits from the ten-year surrender ladder for the life events most likely to force early access.

What to confirm

  • The premium bonus vests across the full ten-year ladder — exit before vesting completes and the unvested portion of the bonus is recaptured. The bonus is only as good as the buyer's willingness to hold the full term, and a buyer who exits at year five forfeits roughly half the published bonus.
  • The GLWB rider fee is charged on the income/withdrawal base, not the account value — effective rider cost runs higher than the headline percentage looks. With this product's larger bonus inflating the income base, the absolute dollar fee in year one is also larger than on a no-bonus rider sibling.
  • Two rider fee tiers exist — the higher fee unlocks the richer income-base growth mechanics. Make sure the rider variant being quoted matches the rider variant being illustrated; the published payout rate is meaningless without the matching fee.
  • Several listed 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 gold-linked strategy carries commodity risk distinct from equity-index volatility and should not be allocated to without understanding its specific mechanics.

Not ideal for

Buyers who may need full liquidity inside the surrender window, want a no-bonus chassis with a flatter rider fee, or want a contract whose income-base value does not depend on completing a full bonus-vesting schedule.

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See how Performance Pro compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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All crediting strategies

View rate listings (17 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: 130% · 1-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 125% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 55% + Spread: 0% · 1-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Cap: 6% · 1-yr

Gold Commodity / LBMA Gold Price PM

cap

10-yr surrender

Cap: 5.75% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.9% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 135% + Spread: 0% · 2-yr

BlackRock Market Advantage Index

participation

10-yr surrender

Par: 175% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

10-yr surrender

Par: 230% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

10-yr surrender

Par: 220% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

10-yr surrender

Par: 185% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

10-yr surrender

Par: 175% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

10-yr surrender

Par: 100% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

Rider Charge Included · participation

10-yr surrender

Par: 80% + Spread: 0% · 2-yr

Morgan Stanley US Equity Allocator Index

participation

10-yr surrender

Cap: 10% · 2-yr

S&P 500 Index

cap

10-yr surrender

Cap: 16% · 3-yr

S&P 500 Index

cap

10-yr surrender

Income riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime withdrawal rate3.35%
Annual rider fee0.1%
Withdrawal-base growth2.75% roll-up

GLWB

Linked review

Performance Pro review notes

Explore the F&G Performance Pro Fixed Indexed Annuity, a reliable choice for tax-deferred growth, principal protection, and lifetime income options.

4/5Read review
Nikhil Bhauwala

Common questions about Performance Pro

● Can I lose money in Performance Pro?

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

● Is the Enhanced Guaranteed Minimum Withdrawal Benefit income rider worth the 0.1% fee?

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 2.75% roll-up and 3.35% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 Performance Pro's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Performance Pro 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

Premium bonus

18%

Bonus terms can vary by state, premium band, and rider election.

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.

Fixed account guarantee

1.75%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

15.00%

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, Terminal illness waiver, Surrender waivers

Documents

product guide

ADV2006 Performance Pro (CB)-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

Performance Pro currently shows 17 distinct indexed or fixed crediting choices across 20 current rate listings, including S&P 500 Index, with 12 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: 5.75% annual cap
  • S&P 500 Index: 1.9% monthly cap
  • S&P 500 Index: 10% 2-year cap
  • S&P 500 Index: 16% 3-year cap

Income rider language

What to look for before treating the rider as income

Enhanced Guaranteed Minimum Withdrawal Benefit is the main income-rider entry returned 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.

  • 3.35% withdrawal rate
  • 0.1% rider fee

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
  • Terminal illness waiver

Verification note

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

Carrier materials such as ADV2006 Performance Pro (CB)-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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See how Performance Pro compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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