What is the minimum guaranteed surrender value for FG Guarantee-Platinum ?

The policy offers a guaranteed rate of interest for the selected term (3, 5, or 7 years). At the end of the term, policyholders enter a 30-day window where they can withdraw funds without penalty or choose to renew for another term. Withdrawals outside this period may incur surrender charges and a Market Value Adjustment (MVA). The product also includes standard death benefits and special access provisions for healthcare-related emergencies, such as nursing home confinement or terminal illness, subject to eligibility and state availability.

What is the minimum premium amount for FG Guarantee-Platinum ?

The minimum premium amount is $20,000.

What is the maximum issue age for FG Guarantee-Platinum ?

The maximum issue age is 90 years.

What is the current interest rate for FG Guarantee-Platinum ?

The current interest rate is 4.9%.

What is the surrender charge schedule for FG Guarantee-Platinum ?

The surrender charge begins at 9% in the first year of the guarantee period and decreases by 1% each subsequent year, depending on the term chosen (3, 5, or 7 years). At the end of each period, if renewed, a new surrender charge schedule identical to the original is applied. For example, a 7-year product will have charges of 9%, 8%, 7%, 6%, 5%, 4%, and 3% respectively. An additional Market Value Adjustment (MVA) applies to withdrawals subject to surrender charges. This MVA reflects changes in U.S. Treasury rates since the contract was issued, potentially increasing or decreasing the value received. Some states apply unique schedules or waive the MVA

What are the best rates available for FG Guarantee-Platinum ?

The best available rate is 5.20% for a 7 year term.

F&G Annuities and Life

FG Guarantee-Platinum

About this product

FG Guarantee-Platinum® is a single premium, fixed deferred annuity that provides a guaranteed interest rate for a specific period—either 3, 5, or 7 years. It is designed for individuals seeking predictable, tax-deferred growth on their investment without market risk. This annuity allows for competitive fixed rate returns and offers the flexibility of penalty-free interest withdrawals, making it suitable for conservative investors interested in guaranteed returns over a defined timeline .

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.90%
5 Years	5.20%
7 Years	5.20%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$20,000.00 - $1,000,000.00

4.9%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage