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Fixed Indexed Annuity

Prosperity Elite 14

Fg Annuities And Life

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7.5%

Best S&P 500 Annual Cap

10%

Free W/D

29

Available jurisdictions

Product data status: August 4, 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 Prosperity Elite 14 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 August 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$171,959
Est. value at age 80 (Prosperity Elite 14)
14%
Premium bonus offered
Gold Commodity / LBMA Gold Price PM — 8.5% 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 Prosperity Elite 14's published cap rate (8.5% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $14,000 premium bonus (14%) = $114,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of August 4, 2026.

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See how Prosperity Elite 14 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 Prosperity Elite 14

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Fg Annuities And Life product.

Live product data

Rates as of August 4, 2026, from AdvisorWorld and CANNEX.

Current crediting strategy detail

7.5% cap on S&P 500

F&G Prosperity Elite 14 is currently shown as an FIA with live crediting and contract facts available, but current live data does not include published lifetime-income rider details for an age-60, year-10 comparison; treat those specifics as unavailable until the carrier publishes them.

1-year term14-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers and advisors comparing F&G Prosperity Elite 14's live crediting menu, surrender structure, ratings, and state availability while treating income-rider specifics as unavailable unless a carrier illustration or source-backed CANNEX rider response supplies them.

AM Best

A Excellent

Surrender period

14 years

Free withdrawal

10%/yr

Availability

29 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

monthly avg cap

7% cap rate

Monthly cap

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

2.35% cap rate

Monthly sum

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

5.5% trigger rate

Performance trigger

1-year term · 14-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

1-year term · 14-year surrender · Does not vary by premium

+ 8 additional crediting options (Barclays Trailblazer, Balanced, Goldman Sachs...)

Lifetime Income Riders

Income rider

EGMWB - Protection Package

Lifetime payout rate3.3% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up10%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Current live data includes strategy, surrender, ratings, and availability details for this contract, but not published lifetime-income rider terms for an age-60, year-10 comparison.
  • Use the live crediting menu and contract facts on this page for comparison until CANNEX publishes rider-level income mechanics for this product.
  • If CANNEX later publishes rider-level terms, those details can support a direct lifetime-income comparison without relying on brochure assumptions.

What to confirm

  • Do not quote a GLWB/PIV payout rate, income-base growth rate, equivalent income base, or rider-fee comparison from this page while those lifetime-income rider details remain unavailable in the live data.
  • For any lifetime-income recommendation, request a carrier illustration or CANNEX comparison that includes the exact rider terms.
  • Crediting rates, strategy availability, surrender terms, and state availability can vary by filing, premium, age, and state; confirm the current terms for the buyer's situation.

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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See how Prosperity Elite 14 compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.

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All crediting strategies

View rate listings (13 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: 165% · 1-yr

Goldman Sachs Global Factor Index

participation

14-yr surrenderDoes not vary by premium

Par: 160% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

14-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

Gold Commodity / LBMA Gold Price PM

cap

14-yr surrenderDoes not vary by premium

Cap: 7.5% · 1-yr

S&P 500 Index

cap

14-yr surrenderDoes not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

monthly_avg_cap

14-yr surrenderDoes not vary by premium

Trigger: 5.5% · 1-yr

S&P 500 Index

trigger

14-yr surrenderDoes not vary by premium

Fixed: 3.75% · 1-yr

Fixed Account

fixed

14-yr surrenderDoes not vary by premium

Cap: 2.35% · 1-yr

S&P 500 Index

monthly_sum_cap

14-yr surrenderDoes not vary by premium

Par: 220% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

14-yr surrenderDoes not vary by premium

Par: 280% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

14-yr surrenderDoes not vary by premium

Par: 270% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

14-yr surrenderDoes not vary by premium

Par: 240% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

14-yr surrenderDoes not vary by premium

Par: 230% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

14-yr surrenderDoes not vary by premium

Income riders

Income rider

EGMWB - Protection Package

Lifetime withdrawal rate3.3%
Annual rider fee0.95%
Guaranteed roll-up10%/yr

GLWB

Linked review

Prosperity Elite 14 review notes

Unbiased review of F&G Prosperity Elite Annuity: Key for safe, growth-focused retirement planning and legacy.

3.6/5Read review
Review rating details3.6/5
Financial strength4/5
Return potential3/5
Income and benefits4/5
Free benefits, liquidity, and costs3/5
Transparency and service4/5

CFA take

“In my view, the F&G Prosperity Elite with the Enhancement Package is primarily an accumulation and legacy-focused FIA rather than an income-oriented retirement product. The annuity stands out because it combines relatively competitive caps, participation rates, and multiple indexing strategies with an enhanced death benefit structure that grows predictably over time. For investors who want principal protection while also leaving behind a structured legacy for beneficiaries, the product offers a fairly balanced value proposition without requiring a complex income rider framework. Another positive is the product’s broad mix of indexing strategies, including both traditional benchmarks like the S&P 500 and more diversified multi-asset indices. Compared to many FIAs that offer either weak growth potential or expensive rider-heavy structures, Prosperity Elite maintains relatively attractive accumulation potential despite including premium bonuses and death benefit enhancements. That said, the product still relies heavily on volatility-controlled indices outside the S&P 500 strategies, which can limit upside participation during strong market rallies. The surrender schedule is also relatively steep, making this better suited for long-term investors rather than those prioritizing short-term liquidity. Overall, I would view Prosperity Elite (Enhancement Package) as a strong fit for conservative investors seeking a combination of tax-deferred accumulation, principal protection, and enhanced legacy planning.”

Nikhil Bhauwala

Common questions about Prosperity Elite 14

● Can I lose money in Prosperity Elite 14?

A negative index return by itself does not reduce the contract's account value: Prosperity Elite 14 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 EGMWB - Protection Package income rider worth the 0.95% 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 10% roll-up and 3.3% 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 scheduled surrender charges run 14 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Prosperity Elite 14's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Prosperity Elite 14 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

14%

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

Death benefit

EDMDB

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

35.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

0.00%

Maximum spread: 0.00%

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

14.75%

Yr 2

13.75%

Yr 3

12.75%

Yr 4

11.75%

Yr 5

10.75%

Yr 6

10%

Yr 7

9%

Yr 8

8%

Yr 9

7%

Yr 10

6%

Yr 11

5%

Yr 12

4%

Yr 13

3%

Yr 14

2%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

advisor sheet

ADV2015 Prosperity Elite 14 (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

Prosperity Elite 14 currently shows 13 indexed or fixed crediting options, including S&P 500 Index, with 8 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: 7% monthly cap
  • S&P 500 Index: 7.5% annual cap
  • S&P 500 Index: 2.35% monthly cap
  • S&P 500 Index: 100% annual participation rate

Income rider language

What to look for before treating the rider as income

EGMWB - Protection Package is the main income rider listed 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.

  • 3.3% withdrawal rate
  • 0.95% 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
  • 14 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 ADV2015 Prosperity Elite 14 (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

Free Comparison Report

Get a Prosperity Elite 14 rate report

See how Prosperity Elite 14 compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.

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