What is the minimum guaranteed surrender value for F&G Secure MYGA® ROP?

The F&G Secure MYGA® ROP provides a fixed interest rate for a defined term and includes a Return of Premium feature, meaning the client will receive back at least the original premium (less withdrawals) during the initial interest rate guarantee period. If the surrender value exceeds the ROP amount, the greater value is paid. After the term ends, the policy renews annually without additional surrender charges unless a full surrender occurs.

What is the minimum premium amount for F&G Secure MYGA® ROP?

The minimum premium amount is $20,000.

What is the maximum issue age for F&G Secure MYGA® ROP?

The maximum issue age is 90 years.

What is the current interest rate for F&G Secure MYGA® ROP?

The current interest rate is 3.95%.

What is the surrender charge schedule for F&G Secure MYGA® ROP?

The surrender charge starts at 9% in the first year and decreases by 1% each subsequent contract year, reaching 0% after the term ends. For California, the percentages differ slightly (starting at 8.55%). These charges only apply during the initial fixed interest rate guarantee period. Afterward, accounts renew into one-year guarantee periods without new surrender charges unless a full surrender occurs.

What are the best rates available for F&G Secure MYGA® ROP?

The best available rate is 4.85% for a 7 year term.

F&G Annuities and Life

F&G Secure MYGA® ROP

About this product

F&G Secure MYGA® ROP is a single premium, fixed deferred annuity offering a guaranteed interest rate over a fixed term of 3, 5, or 7 years. The acronym “MYGA” stands for Multi-Year Guaranteed Annuity, while “ROP” refers to Return of Premium, which ensures return of the original premium minus any withdrawals during the interest guarantee period

Available Rates

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

3 Years	4.20%
5 Years	4.75%
7 Years	4.85%

Available Guarantee Periods

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

$20,000.00 - $99,999.00	3.95%
$100,000.00 - $1,000,000.00	4.2%

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