Fixed Indexed Annuity

Performance Pro — Fg Annuities And Life

Name: Performance Pro
Brand: Fg Annuities And Life

Fg Annuities And Life

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5.75%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: September 24, 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 September 24, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$288,254

Est. value at age 80 (Performance Pro)

18%

Premium bonus offered

S&P 500 Index — 5.75% 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 (5.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $18,000 premium bonus (18%) = $118,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of September 24, 2026.

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rate data

Run numbers for Performance Pro

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 24, 2026, from AdvisorWorld and CANNEX.

GLWB lifetime payout rate

4.35% 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 menu 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 increase the GLWB rider's income base, and value a broad index menu supporting that income base.

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

5.75% 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

monthly sum cap

1.9% 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

10% cap rate

Cap strategy

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

2-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

16% cap rate

Cap strategy

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

3-year term

10-year surrender

Does not vary by premium

Fixed Account

2.75% 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

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

Lifetime Income Riders

Income rider

Enhanced Guaranteed Minimum Withdrawal Benefit

Lifetime payout rate4.35% 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 approach and a higher-fee configuration with richer growth potential, 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 — giving the income base 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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All crediting strategies

View rate listings (31 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: 130% · 1-yr

Goldman Sachs Global Factor Index

participation