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Fixed Indexed Annuity

Prosperity Elite 7

F&G Annuities and Life

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7%

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 Prosperity Elite 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 9, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Prosperity Elite 7)
7%
Premium bonus offered
Gold Commodity / LBMA Gold Price PM — 7.75% 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 Prosperity Elite 7's published cap rate (7.75% 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 Prosperity Elite 7 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 Prosperity Elite 7

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 9, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

3.3% lifetime payout + 10% roll-up

A seven-year-surrender F&G fixed indexed annuity from the Prosperity Elite family — same Enhanced GMWB Protection Package rider as the ten- and fourteen-year siblings, on the family's shortest rate-lock window with its smallest premium bonus.

0.95% annual rider feeAdvisorWorld + CANNEX data

Best fit

Income buyers who want guaranteed lifetime withdrawals from the Prosperity Elite chassis without committing to a decade-plus surrender, and who would rather take a smaller bonus and (typically) a lower rider payout in exchange for shorter time-to-liquidity.

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

monthly avg cap

6.5% cap rate

Monthly cap

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

S&P 500

S&P 500 Index

7% cap rate

Annual cap

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

S&P 500

S&P 500 Index

monthly sum cap

2.25% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

5% trigger rate

Performance trigger

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

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

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

+ 8 additional crediting options (Balanced, Goldman Sachs, Gold Commodity...)

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

  • Seven-year surrender term — short for an income-led FIA with a premium bonus. The Prosperity Elite family's other variants (10 and 14 year) run substantially longer; this filing gives a buyer the same rider mechanics on the family's shortest rate-lock window.
  • Same single named EGMWB Protection Package rider as Prosperity Elite 10 and 14 — like-for-like rider mechanics across all three term variants, so a buyer can compare term-length tradeoffs on a like-for-like rider basis.
  • Same six-index strategy menu as Prosperity Elite 10 / 14 (S&P 500 + Barclays Trailblazer Sectors 5 + CIBC Balanced 5% Vol-Control ER + Goldman Sachs Global Factor + a gold-linked option + Fixed) — the seven-year chassis does not give up index diversification relative to the longer-surrender siblings.
  • Two named surrender-charge waivers (nursing home, terminal illness) provide named exits from the seven-year surrender ladder for the life events most likely to force early access.

What to confirm

  • The published premium bonus is the smallest in the Prosperity Elite family — F&G prices the bonus to match the rate-lock window the carrier hedges over, and seven years is shorter than ten or fourteen. Buyers prioritising bonus size should compare against Prosperity Elite 10 or 14 before committing.
  • The rider's published lifetime payout rate on a seven-year-surrender chassis can be lower than the same rider on the longer-surrender Prosperity Elite siblings — compare gross lifetime income across the three term variants before assuming the shorter term is the better deal.
  • The rider's annual fee is charged on the income/withdrawal base, not the account value — effective rider cost runs higher than the headline percentage looks, and that fee continues for as long as the rider is in force.
  • Several listed indexes are proprietary volatility-controlled benchmarks (Barclays Trailblazer Sectors 5, CIBC Balanced 5% Vol-Control ER, Goldman Sachs Global Factor). Participation rates can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap rate. The gold-linked strategy carries commodity risk distinct from equity-index volatility.

Not ideal for

Buyers prioritising bonus size or maximum rider payout — Prosperity Elite 10 and 14 publish larger bonuses on the same rider chassis. Also not for buyers who don't need a lifetime-income rider at all.

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See how Prosperity Elite 7 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 (13 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: 155% · 1-yr

Goldman Sachs Global Factor Index

participation

7-yr surrender

Par: 150% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

7-yr surrender

Cap: 7% · 1-yr

S&P 500 Index

cap

7-yr surrender

Cap: 6.5% · 1-yr

S&P 500 Index

monthly_avg_cap

7-yr surrender

Trigger: 5% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

7-yr surrender

Cap: 2.25% · 1-yr

S&P 500 Index

monthly_sum_cap

7-yr surrender

Cap: 7.75% · 1-yr

Gold Commodity / LBMA Gold Price PM

cap

7-yr surrender

Par: 270% · 2-yr

Goldman Sachs Global Factor Index

Rider Charge Included · participation

7-yr surrender

Par: 260% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

Rider Charge Included · participation

7-yr surrender

Par: 230% + Spread: 0% · 2-yr

Goldman Sachs Global Factor Index

participation

7-yr surrender

Par: 220% + Spread: 0% · 2-yr

CIBC Balanced 5% Volatility Control ER Index

participation

7-yr surrender

Par: 210% + Spread: 0% · 2-yr

Barclays Trailblazer Sectors 5 Index

participation

7-yr surrender

Income riders

Income rider

EGMWB - Protection Package

Lifetime withdrawal rate3.3%
Annual rider fee0.95%
Withdrawal-base growth10% roll-up

GLWB

Linked review

Prosperity Elite 7 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 7

● Can I lose money in Prosperity Elite 7?

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

● 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 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 Prosperity Elite 7's crediting strategies compare?

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

Premium bonus

7%

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

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

product guide

ADV1986 Prosperity Elite 7 (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

Prosperity Elite 7 currently shows 13 distinct indexed or fixed crediting choices across 15 current rate listings, 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: 6.5% monthly cap
  • S&P 500 Index: 7% annual cap
  • S&P 500 Index: 2.25% 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 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.

  • 3.3% 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
  • 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 ADV1986 Prosperity Elite 7 (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

Free Comparison Report

Get a Prosperity Elite 7 rate report

See how Prosperity Elite 7 compares for your age, state, premium, and income goals alongside other F&G Annuities and Life fixed indexed annuity options.

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