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Withdrawals exceeding the 10% annual free-withdrawal limit or full surrender during the initial guarantee period may incur both surrender charges and an MVA. After the guarantee period ends, the contract renews annually with 0% surrender charges. California uses a separate schedule.

 – Access full account value if unable to complete 2 of 6 ADLs.

 – Access full account value if confined after issue date.

 – Access full account value if diagnosed with <12 months life expectancy.

(Conditions vary by state; benefits available after 1 year.)

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive the full account value, unaffected by surrender charges or MVA.  

Return of Premium (ROP): “Thanks to the Return of Premium (ROP) feature, the contract is guaranteed to return at least the original premium, less any withdrawals.

• Beginning in year 1, owners may withdraw up to 10% of the beginning-of-year account value during the surrender-charge period with no surrender charges or MVA.

• Minimum withdrawal requirements follow SOU guidelines.

The Secure MYGA ROP is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 3-, 5-, or 7-year guarantee period. The owner makes a one-time premium payment that grows at a guaranteed fixed rate, credited daily and compounded. Beginning in the first contract year, the policy provides annual penalty-free withdrawals up to 10% of the beginning-of-year account value during the surrender-charge period. Withdrawals above free amounts may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of the initial guarantee period, if no election is made, the contract automatically renews for one-year periods with no additional surrender charges, allowing penalty-free access.  

At the end of the initial guarantee period, the Secure MYGA ROP renews one year at a time, with no further surrender charges, allowing full penalty-free access at any time. Owners may surrender, withdraw, or transfer value during renewal periods.

Equals account value minus applicable surrender charges and MVA, but never less than the minimum nonforfeiture value dictated by state standard nonforfeiture law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. Designed for conservative savers, it offers predictable, contractually guaranteed rates insulated from market volatility. Its hallmark feature is the Return of Premium (ROP) guarantee, which allows the owner to surrender the contract during the guarantee period and receive no less than the original premium (less withdrawals). With liquidity through penalty-free withdrawals and robust waiver features, the Secure MYGA ROP supports stable, long-term financial planning with simplicity and security. 

Withdrawals exceeding the 10% annual free-withdrawal amount, or a full surrender during the guarantee period, are subject to surrender charges. Because this is a Non-MVA contract, no Market Value Adjustment applies. All surrender charges end after the initial guarantee period, when the contract moves into a fully penalty-free renewal phase. California uses a modified surrender-charge schedule as shown in the brochure.

If the owner dies before annuitization, beneficiaries receive the full account value as a lump sum, with no surrender charges.  

 Full account value accessible with no surrender charges if the owner is confined to a nursing home after issue and the confinement meets defined conditions (benefits vary by state).  

 Waives surrender charges for qualifying terminal illness diagnosed after issue.

 Waives charges if the owner cannot perform 2 of 6 ADLs.

Waivers require diagnosis/confinement after issue and waiver requests must be at least 1 year after policy issue.

Beginning in the first contract year, owners may withdraw up to 10% of the beginning-of-year account value annually without surrender charges. Multiple withdrawals may be taken within this 10% allowance. Interest is credited daily.  

 funds. Secure MYGA accepts Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, 401(k)/403(b) rollovers, and Inherited IRAs.

Secure MYGA Non-MVA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 3-, 5-, or 7-year guarantee period. The owner makes a one-time premium payment and earns a guaranteed, tax-deferred rate that is locked for the full term. Beginning in the first contract year, the policy provides annual penalty-free withdrawals up to 10% of the beginning-of-year account value, while withdrawals above this amount may be subject to surrender charges (no MVA applies). At the end of the guarantee period, the contract automatically renews one year at a time with no surrender charges, offering complete liquidity and flexibility.

At the end of the guarantee period, Secure MYGA automatically renews into a 1-year guarantee period 

. During this phase, the owner may withdraw the full value penalty-free at any time, maintain the contract, or take partial withdrawals with full liquidity.  

Surrender value equals the account value minus applicable surrender charges (no MVA applies), but not less than the minimum nonforfeiture amount defined by Standard Nonforfeiture Law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Fidelity & Guaranty Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates without a Market Value Adjustment (MVA), ensuring surrender values remain stable and transparent regardless of interest-rate movements. With 10% penalty-free access each year starting in year one and built-in health-related waivers, Secure MYGA supports conservative savers seeking protected accumulation, simplicity, and guaranteed growth.

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the initial 3-, 5-, or 7-year guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% after the end of the initial term. All funds become fully penalty-free once the contract transitions to the one-year renewal period. California utilizes a separate surrender-charge schedule.  ￼

The surrender charge is 9% in the first year and decreases by 1% each subsequent year during the initial guarantee period. For the 3-year option, it ends after 3 years; for the 5- and 7-year options, the charge reduces to 0% by the end of the respective terms. After the initial term, no surrender charges apply during annual renewals. A Market Value Adjustment (MVA) may also apply depending on interest rate changes since contract issuance. In general, if interest rates increase, the MVA reduces the surrender value; if rates decrease, the MVA can increase it 

• Impairment Surrender Charge Waiver Rider

• Nursing Home Confinement Surrender Charge Waiver Rider

• Terminal Illness Surrender Charge Waiver Rider

If the owner dies before annuitization, beneficiaries receive the full account value in a lump sum, unaffected by surrender charges or MVA. Once annuitized, remaining payments follow the elected settlement option.  

 Waives surrender charges and MVA if the owner becomes impaired and unable to perform 2 of 6 Activities of Daily Living (ADLs), subject to contract conditions and state availability.

 Waives surrender charges and MVA for qualifying nursing home confinement when the confinement and waiver request occur at least one year after the contract issue date, with conditions defined in the Statement of Understanding; availability varies by state.

Waives surrender charges and MVA upon qualifying diagnosis of terminal illness with limited life expectancy, when diagnosed after issue and subject to state-specific rules.

Beginning in the first contract year, owners may withdraw up to 10% of the account value based on the beginning-of-year balance without surrender charges or MVA, subject to a $500 per-withdrawal minimum. Multiple withdrawals may be taken within this 10% allotment.  

 funds. Secure MYGA MVA accepts a range of funding types, including Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, 401(k) rollovers, and Inherited IRAs.

Secure MYGA MVA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, or 7-year term, during which interest grows tax-deferred. Beginning in the first contract year, the policy allows annual penalty-free withdrawals up to 10% of the beginning-of-year account value; withdrawals above this amount may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of the initial guarantee period, if the account value remains in the contract it automatically rolls into one-year guarantee periods with no additional surrender charges, providing ongoing flexibility and full liquidity. 

At the end of each guarantee period, if the owner leaves the account value in Secure MYGA MVA, the contract automatically begins a new one-year guarantee period at the declared renewal rate, and surrender charges no longer apply. During these one-year renewal periods, the owner may withdraw or surrender the policy without any surrender charges or MVA, apply the contract value to an available settlement option, or continue in successive one-year terms at current renewal rates.

The surrender value equals the account value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.  

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Fidelity & Guaranty Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. Secure MYGA MVA delivers predictable, contractually guaranteed rates insulated from market volatility, making it appropriate for conservative savers seeking stable accumulation. With penalty-free access to a portion of the account value beginning in the first contract year and straightforward contract mechanics, Secure MYGA MVA supports long-term financial planning with security, simplicity, and consistent growth. 

Withdrawals beyond accumulated interest during the guarantee period are subject to surrender charges and may invoke an MVA. Charges decline each contract year and reset upon renewal. California, CT, ID, NC, NJ, OK, and VT use an alternative declining 10-year grid that does not restart after renewal.

None. No annual fees, policy charges, or maintenance fees.

Paid as a lump sum equal to the account value (unless spousal continuation elected).

 Access to full account value with no surrender charges or MVA after qualifying confinement of 60+ days beginning at least one year after contract issue (not available in MA).

 Full access upon certified diagnosis with life expectancy under one year (not available in MA).

• Penalty-free withdrawal of accumulated interest only at any time during the guarantee period.

• Larger withdrawals may incur surrender charges and MVA

 money. Accepts transfers and rollovers from IRAs, Roth IRAs, SEP IRAs, 401(k), 403(b), pension plans, profit-sharing plans, and non-qualified assets.

FG Guarantee-Platinum® is a Single Premium Deferred Annuity (SPDA) that credits a fixed, contractually guaranteed interest rate for the entire selected guarantee period (3, 5, or 7 years). The owner makes a one-time premium payment and selects a multi-year term during which interest grows tax-deferred. Accumulated interest may be withdrawn penalty-free at any point during the term, and additional liquidity is available during the 30-day window at the end of each guarantee period before renewal.

At the end of each 3-, 5-, or 7-year guarantee period, a 30-day window allows the owner to:

• Renew the contract for the same term,

• Partially withdraw funds without penalty,

• Fully surrender without charges or MVA,

If no action is taken, the annuity automatically renews for the same term at the then-current renewal rate.

Equals the account value minus any applicable surrender charges and MVA, but never less than the minimum nonforfeiture value per Standard Nonforfeiture Law.

® MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Fidelity & Guaranty Life Insurance Company. It provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. Designed for conservative savers seeking security and predictability, the annuity offers fully guaranteed fixed interest rates for the entire term, penalty-free access to accumulated interest, and automatic renewal options at the end of each guarantee period. With straightforward contract mechanics and consistent tax-deferred accumulation, FG Guarantee-Platinum supports long-term financial planning with stability and clarity.

F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)

F&G – Secure MYGA Non-MVA (3-, 5-, 7-Year Terms)

F&G – Secure MYGA (MVA) (3-, 5-, 7-Year Terms)

F&G – FG Guarantee-Platinum MYGA (3-, 5-, 7-Year Terms)