Registered index-linked annuity
F&G Confidence Builder
F&G Annuities and Life RILA details from the AdvisorWorld CANNEX public API. Review buffers, floors, crediting rates, premium bands, liquidity, and documents before comparing this product with FIA or MYGA options.
Scenario used for current rows
$100,000 premium, issue age 60, Texas unless the product is state-restricted.
RILA contracts can offer index-linked upside with a stated buffer, floor, or downside participation rule. They can still lose value under market and contract conditions, and they are not MYGA-style fixed-rate guarantees.
Product data status: July 14, 2026
Source: AdvisorWorld public product detail from CANNEX. Rates vary by state, premium band, issue age, index segment, and crediting term. RILA buffers, floors, downside participation, caps, participation rates, fixed rates, and spreads are separate point-in-time contract mechanics; they can change and are not guaranteed yields. Educational only; not advice, a quote, or a carrier-approved illustration. Confirm the current prospectus, state filing, and carrier materials before purchase. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured.
Buffer
20%
S&P 500 Index · 1-year term · PP · A
Downside buffer for the listed index-linked segment; losses beyond the buffer can still apply.
Cap
75%
MSCI EAFE Index · 3-year term · PP · 3Y
Crediting cap for the listed index-linked segment; actual crediting depends on index performance and contract terms.
Participation
100%
S&P 500 Index · 1-year term · PT · A
Share of positive index return used by the listed segment, before any applicable caps, spreads, or fees.
Fixed
14.25%
Russell 2000 Index · 1-year term · PT · A
Fixed account option shown with this RILA package; read separately from indexed crediting segments.
Strategy rows
28
Rows can vary by index, segment term, premium band, and state rules.
State coverage
51
Jurisdictions
Availability should be confirmed for the client's state and contract version.
Current RILA strategy terms
Scenario: $100,000 premium, issue age 60, Texas unless state-restricted. Source: AdvisorWorld CANNEX RILA detail, last scan July 14, 2026.
Fixed Account
FX · 1-yr term
Protection
Not shown
Fixed
4.25%
Premium band not shown
Hindsight 20/20
Hindsight 20/20 · BL · 6-yr term
Buffer
10%
Participation
100%
Premium band not shown
MSCI EAFE Index
PP · 1-yr term
Buffer
10%
Cap
24%
Premium band not shown
MSCI EAFE Index
PP · 1-yr term
Buffer
20%
Cap
14.25%
Premium band not shown
MSCI EAFE Index
PT · 1-yr term
Buffer
10%
Participation
100%
Premium band not shown
MSCI EAFE Index
PP · 3-yr term
Buffer
10%
Participation
100%
Premium band not shown
MSCI EAFE Index
PP · 3-yr term
Buffer
20%
Cap
75%
Premium band not shown
MSCI EAFE Index
PP · 6-yr term
Buffer
10%
Participation
100%
Premium band not shown
MSCI EAFE Index
PP · 6-yr term
Buffer
20%
Cap
5%
Premium band not shown
MSCI EAFE Index
PP · 6-yr term
Buffer
10%
Cap
17.75%
Premium band not shown
Nasdaq-100 Index
PP · 1-yr term
Buffer
10%
Cap
21.5%
Premium band not shown
Nasdaq-100 Index
PT · 1-yr term
Buffer
10%
Participation
100%
Premium band not shown
Russell 2000 Index
PP · 1-yr term
Buffer
10%
Cap
25%
Premium band not shown
Russell 2000 Index
PP · 1-yr term
Buffer
20%
Cap
16%
Premium band not shown
Russell 2000 Index
PT · 1-yr term
Buffer
10%
Participation
100%
Premium band not shown
Russell 2000 Index
PP · 3-yr term
Buffer
10%
Crediting
Not shown
Premium band not shown
Russell 2000 Index
PP · 3-yr term
Buffer
20%
Cap
55%
Premium band not shown
Russell 2000 Index
PP · 6-yr term
Buffer
10%
Participation
100%
Premium band not shown
Russell 2000 Index
PP · 6-yr term
Buffer
20%
Cap
5%
Premium band not shown
Russell 2000 Index
PP · 6-yr term
Buffer
10%
Cap
14.75%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
10%
Cap
20.75%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
20%
Cap
14.75%
Premium band not shown
S&P 500 Index
PT · 1-yr term
Buffer
10%
Participation
100%
Premium band not shown
S&P 500 Index
PP · 3-yr term
Buffer
10%
Participation
100%
Premium band not shown
S&P 500 Index
PP · 3-yr term
Buffer
20%
Cap
45%
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
10%
Participation
100%
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
20%
Cap
5%
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
10%
Cap
16%
Premium band not shown
Liquidity
Free withdrawal: 10%/yr
Surrender rows shown: 6
Premium range
Minimum: Not shown
Maximum: Not shown
Documents
No carrier documents were returned with this product detail request.
Structured product features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Activities of daily living, Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
2.00%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
0.50%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.75%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
100.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.