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 Secure Landing would do for you
Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,762
Est. value at age 80 (Secure Landing)
10.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.25% 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 Secure Landing's published cap rate (10.25% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.
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See how Secure Landing compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.
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 4, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual cap rate
10.25% cap on S&P 500
A seven-year-surrender F&G fixed indexed annuity built for index-linked accumulation on a focused strategy menu (S&P 500 annual point-to-point cap, a CIBC Balanced participation design, and a fixed account), with no income rider, no premium bonus, and three-agency financial-strength corroboration.
1-year term7-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data
Best fit
Buyers who want a straightforward seven-year-surrender accumulation FIA without rider complexity, value a focused strategy menu over a long list of overlapping options, and want the carrier-credit profile corroborated by three rating agencies before committing premium.
AM Best
A Excellent
Surrender options
5 and 7 years
Free withdrawal
10%/yr
Availability
50 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
10% cap rate
Annual cap
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
10.25% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
6.75% trigger rate
Performance trigger
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7% trigger rate
Performance trigger
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
50% participation rate
Participation
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
55% participation rate
Participation
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4% declared rate
Fixed account
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4% declared rate
Fixed account
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
+ 4 additional crediting options (Balanced...)
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 — a shorter commitment for buyers who want index-linked accumulation but don't want to lock in for a full ten-year deferral.
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 is intentionally focused — an S&P 500 annual point-to-point cap, a CIBC Balanced participation design, and a fixed-account option — so the buyer is not asked to choose among a long list of overlapping strategies and can compare the cap directly to peer FIAs.
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. There is also no death-benefit roll-up beyond the standard contract value.
The narrow strategy menu means a buyer whose accumulation view differs from the S&P 500 outlook has limited alternatives on this contract — only the CIBC Balanced participation design as a non-S&P option. Buyers who want exposure to small-cap, international, or sector-focused indexes should look at F&G's broader-strategy filings (Power Accumulator, AccumulatorPlus, Performance Pro).
The CIBC Balanced strategy sits on a proprietary volatility-controlled index; participation rates on this 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 contract 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 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 Secure Landing compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 215% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
participation
5-yr surrenderDoes not vary by premium
Par: 50% · 1-yr
S&P 500 Index
participation
5-yr surrenderDoes not vary by premium
Cap: 10% · 1-yr
S&P 500 Index
cap
5-yr surrenderDoes not vary by premium
Trigger: 8.25% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
trigger
5-yr surrenderDoes not vary by premium
Trigger: 6.75% · 1-yr
S&P 500 Index
trigger
5-yr surrenderDoes not vary by premium
Fixed: 4% · 1-yr
Fixed Account
fixed
5-yr surrenderDoes not vary by premium
Par: 220% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
participation
7-yr surrenderDoes not vary by premium
Par: 55% · 1-yr
S&P 500 Index
participation
7-yr surrenderDoes not vary by premium
Cap: 10.25% · 1-yr
S&P 500 Index
cap
7-yr surrenderDoes not vary by premium
Trigger: 8.5% · 1-yr
CIBC Balanced 5% Volatility Control ER Index
trigger
7-yr surrenderDoes not vary by premium
Trigger: 7% · 1-yr
S&P 500 Index
trigger
7-yr surrenderDoes not vary by premium
Accumulation profile
Accumulation-focused contract
The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
Common questions about Secure Landing
● Can I lose money in Secure Landing?
A negative index return by itself does not reduce the contract's account value: Secure Landing credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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 scheduled surrender charges run 7 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 Secure Landing's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Secure Landing 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
1.00%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Certain period, Joint life, Single life
Published payout options from the normalized contract facts.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Documents
product guide
Secure Landing brochure pdf2.pdf
Confidence: highReviewed Apr 14, 2026
Direct link not published — request the document from the carrier.
product guide
Fidelity and Guaranty - Secure Landing brochure pdf2.pdf
Confidence: highReviewed Apr 14, 2026
Direct link not published — request the document from the carrier.
product guide
Secure Landing brochure pdf.pdf
Confidence: highReviewed Apr 14, 2026
Direct link not published — request the document from the carrier.
product guide
Secure Landing.pdf
Confidence: highReviewed Apr 12, 2026
Direct link not published — request the document from the carrier.
advisor sheet
Secure Landing 5-7 (AAG)-2_compressed.pdf
Confidence: highReviewed Apr 12, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA
FitchA-
Moody'sA3
S&PA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Secure Landing currently shows 11 indexed or fixed crediting options, including S&P 500 Index, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 10% annual cap
S&P 500 Index: 10.25% annual cap
S&P 500 Index: 6.75% annual trigger rate
S&P 500 Index: 7% annual trigger rate
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 Secure Landing brochure pdf2.pdf and Fidelity and Guaranty - Secure Landing brochure pdf2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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
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See how Secure Landing compares for your age, state, premium, and income goals alongside other Fg Annuities And Life fixed indexed annuity options.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.