Registered index-linked annuity · SEC-registered · defined downside design
F&G Confidence Builder
Issued by Fidelity & Guaranty Life Insurance Company
AM Best ACan lose value
Segment terms1-year · 3-year · 6-year
Downside choices10% buffer · 20% buffer
FeeNot published
Surrender period6 yrs
Free withdrawal10%per year
Issue ages0–80 (annuitant and owner) · 18–80 (annuitant and owner) · age limits based on the older person
Available jurisdictions51published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer20.75% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 20% buffer |
|---|---|---|
| S&P 500 | ||
| 1-yearPoint-to-point | 20.75% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 14.75% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20% |
| 1-yearPerformance trigger | 12.75% trigger rate Segment detailsMinimum trigger rate: 0.5%Minimum participation: 100%Minimum buffer: 10% | — |
| 3-yearPoint-to-point | Not published Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10% | 45% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 10%16% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 500% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 20% |
| MSCI EAFE | ||
| 1-yearPoint-to-point | 24% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 14.25% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20% |
| 1-yearPerformance trigger | 12% trigger rate Segment detailsMinimum trigger rate: 0.5%Minimum participation: 100%Minimum buffer: 10% | — |
| 3-yearPoint-to-point | Not published Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10% | 75% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 10%17.75% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 500% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 20% |
| Russell 2000 | ||
| 1-yearPoint-to-point | 25% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 16% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20% |
| 1-yearPerformance trigger | 14.25% trigger rate Segment detailsMinimum trigger rate: 0.5%Minimum participation: 100%Minimum buffer: 10% | — |
| 3-yearPoint-to-point | 100% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10% | 55% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 10%14.75% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 500% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 20% |
| Nasdaq-100 | ||
| 1-yearPoint-to-point | 21.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | — |
| 1-yearPerformance trigger | 12% trigger rate Segment detailsMinimum trigger rate: 0.5%Minimum participation: 100%Minimum buffer: 10% | — |
| Blend (index not published) | ||
| 6-yearPerformance Blend | Not published Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 10% | — |
| Fixed account | ||
| 1-year · Declared rate | 4.25% fixedSegment detailsMinimum fixed-account rate: 2.75% | |
Showing 27 of 27 indexed segments.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Declared, no index · 1-year2.75%Minimum fixed-account rate
Performance Blend · 6-year3%Minimum cap
Performance Blend · 6-year100%Minimum participation rate
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year0.5%Minimum trigger rate
Point-to-point · 1-year2%Minimum cap
Point-to-point · 1-year100%Minimum participation rate
Point-to-point · 3-year6%Minimum cap
Point-to-point · 3-year100%Minimum participation rate
Point-to-point · 6-year2%Minimum cap
Point-to-point · 6-year100%Minimum participation rate
Minimum published buffer10%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Year 17%
Year 27%
Year 36%
Year 45%
Year 54%
Year 63%
After0%
Annual free withdrawal10%
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNursing home · Terminal illness
BailoutNot available
Return of premiumNot available
Death benefitStandard Death BenefitThe public product feed does not describe the calculation; the prospectus governs
Analyst notes
Where it stands out
- The contract's buffered segment menu spans major U.S. and international equity indexes.
- Point-to-point and performance-trigger choices let buyers compare capped upside with a trigger-style credit.
- Annual and multi-year segments include the carrier's Hindsight design alongside a fixed account.
What to confirm
- Every indexed segment can lose value when a market decline exceeds its buffer; losses beyond the selected buffer reduce contract value.
- Buffer, cap, trigger, and participation terms differ by segment and reset on their contract schedule.
- The product does not publish an optional lifetime-withdrawal rider; annuitization choices are separate contract provisions.
Best fitBuyers who accept prospectus-governed market risk, can keep money through the chosen segment and surrender periods, and want buffered index exposure without an optional lifetime-withdrawal rider.
Not ideal forBuyers who need loss-free outcomes, unrestricted liquidity, or an optional lifetime-withdrawal rider as the contract's central purpose.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesB Shareapplicable_rule · product_profile
PremiumNot published in feed
Issue ages0–80 (annuitant and owner) · 18–80 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age100 years
Annuitization optionsCertain period · Joint life · Single life
Profile feesNot published
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutNo
Market value adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule6 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 11, 2026 · generated Sep 13, 2026
Income rider optionsNone published — accumulation only
Death benefitStandard Death BenefitThe public product feed does not describe the calculation; the prospectus governs
Contract open dateFeb 6, 2024
Source and vintage: normalized public product facts from CANNEX, observed Sep 11, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantFidelity & Guaranty Life Insurance Company
SEC CIK0000854241
File numbers333-267180
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
51 published jurisdictions. Not available in New York or Oregon.
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Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.