Fixed Indexed Annuity

Secure Landing

F&G Annuities and Life

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10.25%

Best S&P 500 Annual Cap

10%

Free W/D

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 Secure Landing 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.

Premium$100,000

Your age60

Surrender term

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 July 9, 2026.

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See how Secure Landing 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 Secure Landing

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.

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 termAdvisorWorld + 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 · Premium band not shown

1-year term

5-year surrender

Premium band not shown

S&P 500

S&P 500 Index

10.25% cap rate

Annual cap

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

1-year term

7-year surrender

Premium band not shown

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

1-year term · 5-year surrender · Premium band not shown

1-year term

5-year surrender

Premium band not shown

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

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

1-year term

7-year surrender

Premium band not shown

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 5-year surrender · Premium band not shown

1-year term

5-year surrender

Premium band not shown

S&P 500

S&P 500 Index

55% participation rate

Participation

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

1-year term

7-year surrender

Premium band not shown

Fixed Account

4% declared rate

Fixed account

1-year term · 5-year surrender · Premium band not shown

1-year term

5-year surrender

Premium band not shown

Fixed Account

4% declared rate

Fixed account

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

1-year term

7-year surrender

Premium band not shown

+ 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 filing — 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 filing 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 a contractually guaranteed GLWB-rider withdrawal rate, want a broad strategy menu spanning small-cap, international, or sector indexes, expect a premium bonus to offset the surrender commitment, or want a death-benefit roll-up beyond the standard contract value — F&G publishes broader-strategy and bonus-bearing filings for those needs.

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All crediting strategies

View rate listings (11 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: 215% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

5-yr surrender

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 10% · 1-yr

S&P 500 Index

cap

5-yr surrender

Trigger: 8.25% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

trigger

5-yr surrender

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 220% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

participation

7-yr surrender

Par: 55% · 1-yr

S&P 500 Index

participation

7-yr surrender

Cap: 10.25% · 1-yr

S&P 500 Index

cap

7-yr surrender

Trigger: 8.5% · 1-yr

CIBC Balanced 5% Volatility Control ER Index

trigger

7-yr surrender

Trigger: 7% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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 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.

● 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 Secure Landing's crediting strategies compare?

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

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

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

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

After

Nursing home waiver, Terminal illness waiver, Surrender waivers