Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what ForeAccumulation II would do for you
Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of September 18, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$310,636
Est. value at age 80 (ForeAccumulation II)
10%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.75% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies ForeAccumulation II's published cap rate (9.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 18, 2026.
Free Comparison Report
Get a ForeAccumulation II rate report
See how ForeAccumulation II compares for your age, state, premium, and income goals alongside other Global Atlantic fixed indexed annuity options.
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Global Atlantic product.
Live product data
Rates as of September 18, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual cap rate
10% cap on S&P 500
A ten-year-surrender accumulation FIA from Global Atlantic at an A.M. Best A rating, pairing an S&P 500 annual cap strategy with participation strategies on volatility-controlled indexes — no optional GLWB income rider on this contract.
1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data
Best fit
Buyers who want index-linked accumulation with a recognizable S&P 500 cap alongside volatility-controlled participation strategies in one contract, can commit to a ten-year deferral, and don't need a guaranteed lifetime-income rider built into the contract.
AM Best
A Excellent
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
10% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy
8% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
10% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy
8% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
9.75% cap rate
Annual cap
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy
7.75% cap rate
Annual cap
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
7.25% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
7.25% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
6.8% cap rate
Annual cap
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
7% trigger rate
Performance trigger
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
7.25% trigger rate
Performance trigger
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
7% trigger rate
Performance trigger
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
Rate detail not shown
Annual crediting
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
Rate detail not shown
Annual crediting
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
Rate detail not shown
Annual crediting
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Growth Accelerator Strategy Fee Included · unknown
Rate detail not shown
Annual crediting
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
Growth Accelerator Strategy Fee Included · unknown
Rate detail not shown
Annual crediting
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
Growth Accelerator Strategy Fee Included · unknown
Rate detail not shown
Annual crediting
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Locked Cap Strategy
8% cap rate
Annual cap
5-year term · 5-year surrender · $100,000+
5-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
Locked Cap Strategy
7.75% cap rate
Annual cap
5-year term · 10-year surrender · $100,000+
5-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Locked Cap Strategy
8% cap rate
Annual cap
7-year term · 7-year surrender · $100,000+
7-year term
7-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
10% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy
8% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
10% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy
8% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
9.75% cap rate
Annual cap
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy
7.75% cap rate
Annual cap
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
7.5% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
7.5% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
7.1% cap rate
Annual cap
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
Rate detail not shown
Annual crediting
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
Rate detail not shown
Annual crediting
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
Rate detail not shown
Annual crediting
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Growth Accelerator Strategy Fee Included · unknown
Rate detail not shown
Annual crediting
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Growth Accelerator Strategy Fee Included · unknown
Rate detail not shown
Annual crediting
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Nasdaq-100
Nasdaq-100 Index
Growth Accelerator Strategy Fee Included · unknown
Crediting menu blends a one-year S&P 500 annual point-to-point cap with index participation strategies on volatility-controlled indexes — a buyer can split between cap and participation mechanics within a single contract rather than committing the whole premium to one crediting style.
Free-withdrawal allowance and the full surrender ladder are visible on this page, alongside a nursing-home waiver and a terminal-illness waiver — penalty-free liquidity rules are shown here rather than buried in a brochure.
Enhanced death benefit pays the contract value at death (not the lower cash surrender value), so beneficiaries receive the unsmoothed account-value figure when a death claim falls inside the surrender period.
Filed in 49 states plus DC (excluding New York) with both qualified and non-qualified funding and joint ownership — the contract is broadly distributable across the country outside New York rather than narrowly regional.
What to confirm
This contract is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no optional GLWB income rider on this contract — buyers who need a contractually published lifetime-withdrawal rate should look at the income-focused ForeIncome II sibling, not this contract.
Surrender charges run a full ten-year declining ladder with a meaningful first-year charge, so an unplanned exit beyond the annual free-withdrawal allowance carries a real cost — this is a decade-length commitment, not a short-term placement.
Several participation strategies are tied to proprietary volatility-controlled indexes whose participation rates can look high in absolute terms because of the index's volatility target — they are not directly comparable to an S&P 500 cap, so each strategy needs to be evaluated on its own historical and forward characteristics rather than on the headline participation number alone.
ForeAccumulation II is the commission-sold filing; Global Atlantic also issues a fee-based Advisory variant (ForeAccumulation II Advisory) with a shorter surrender ladder for advisor-managed accounts. Confirm which filing the illustration is built against before signing — the surrender economics differ materially.
Not ideal for
Buyers who need a contractually published GLWB lifetime-withdrawal rate (that calls for ForeIncome II, not this accumulation base), want a premium bonus to offset the long surrender term (look at the Premium Enhancement variant), or need fee-based advisory pricing with a shorter lockup (look at the Advisory variant).
Free Comparison Report
Get a ForeAccumulation II rate report
See how ForeAccumulation II compares for your age, state, premium, and income goals alongside other Global Atlantic fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Cap: 7.75% · 1-yr
Nasdaq-100 Agile 15% Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Cap: 7.75% · 1-yr
S&P 500 Engle 12% VT Index (ER)
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Cap: 7.5% · 1-yr
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Cap: 7.25% · 1-yr
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
Nasdaq-100 Agile 15% Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Engle 12% VT Index (ER)
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
5-yr surrender$100,000+
Par: 175% · 1-yr
PIMCO Balanced Index
participation
5-yr surrender$100,000+
Par: 175% · 1-yr
PIMCO Balanced Index
participation
5-yr surrender$100,000+
Par: 145% · 1-yr
BlackRock iBLD Diversa VC7 ER Index
participation
5-yr surrender$100,000+
Par: 145% · 1-yr
BlackRock iBLD Diversa VC7 ER Index
participation
5-yr surrender$100,000+
Par: 125% · 1-yr
Franklin US Index
participation
5-yr surrender$100,000+
Par: 125% · 1-yr
J.P. Morgan Cross-Asset Strategy Index
participation
5-yr surrender$100,000+
Par: 125% · 1-yr
Franklin US Index
participation
5-yr surrender$100,000+
Par: 125% · 1-yr
J.P. Morgan Cross-Asset Strategy Index
participation
5-yr surrender$100,000+
Par: 85% · 1-yr
S&P 500 Engle 12% VT Index (ER)
participation
5-yr surrender$100,000+
Par: 85% · 1-yr
S&P 500 Engle 12% VT Index (ER)
participation
5-yr surrender$100,000+
Par: 75% · 1-yr
Nasdaq-100 Agile 15% Index
participation
5-yr surrender$100,000+
Par: 75% · 1-yr
Nasdaq-100 Agile 15% Index
participation
5-yr surrender$100,000+
Cap: 10% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Cap: 10% · 1-yr
MSCI EAFE Index
cap
5-yr surrender$100,000+
Cap: 10% · 1-yr
Nasdaq-100 Index
cap
5-yr surrender$100,000+
Cap: 10% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Cap: 10% · 1-yr
MSCI EAFE Index
cap
5-yr surrender$100,000+
Cap: 10% · 1-yr
Nasdaq-100 Index
cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
Nasdaq-100 Agile 15% Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
S&P 500 Engle 12% VT Index (ER)
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
Nasdaq-100 Agile 15% Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
S&P 500 Engle 12% VT Index (ER)
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
5-yr surrender$100,000+
Trigger: 7% · 1-yr
S&P 500 Index
trigger
5-yr surrender$100,000+
Trigger: 7% · 1-yr
S&P 500 Index
trigger
5-yr surrender$100,000+
Fixed: 4.1% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Fixed: 4.1% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
MSCI EAFE Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
BlackRock iBLD Diversa VC7 ER Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
PIMCO Balanced Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
Franklin US Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
J.P. Morgan Cross-Asset Strategy Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Engle 12% VT Index (ER)
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
Nasdaq-100 Agile 15% Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 1-yr
Nasdaq-100 Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Par: 260% · 2-yr
PIMCO Balanced Index
participation
5-yr surrender$100,000+
Par: 260% · 2-yr
PIMCO Balanced Index
participation
5-yr surrender$100,000+
Par: 215% · 2-yr
BlackRock iBLD Diversa VC7 ER Index
participation
5-yr surrender$100,000+
Par: 215% · 2-yr
BlackRock iBLD Diversa VC7 ER Index
participation
5-yr surrender$100,000+
Par: 180% · 2-yr
Franklin US Index
participation
5-yr surrender$100,000+
Par: 180% · 2-yr
J.P. Morgan Cross-Asset Strategy Index
participation
5-yr surrender$100,000+
Par: 180% · 2-yr
Franklin US Index
participation
5-yr surrender$100,000+
Par: 180% · 2-yr
J.P. Morgan Cross-Asset Strategy Index
participation
5-yr surrender$100,000+
Rate not shown · 2-yr
BlackRock iBLD Diversa VC7 ER Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 2-yr
PIMCO Balanced Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 2-yr
Franklin US Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Rate not shown · 2-yr
J.P. Morgan Cross-Asset Strategy Index
Growth Accelerator Strategy Fee Included · unknown
5-yr surrender$100,000+
Cap: 8% · 5-yr
S&P 500 Index
Locked Cap Strategy · cap
5-yr surrender$100,000+
Cap: 8% · 5-yr
S&P 500 Index
Locked Cap Strategy · cap
5-yr surrender$100,000+
Par: 180% · 1-yr
PIMCO Balanced Index
participation
7-yr surrender$100,000+
Par: 180% · 1-yr
PIMCO Balanced Index
participation
7-yr surrender$100,000+
Par: 150% · 1-yr
BlackRock iBLD Diversa VC7 ER Index
participation
7-yr surrender$100,000+
Par: 150% · 1-yr
BlackRock iBLD Diversa VC7 ER Index
participation
7-yr surrender$100,000+
Par: 130% · 1-yr
Franklin US Index
participation
7-yr surrender$100,000+
Par: 130% · 1-yr
J.P. Morgan Cross-Asset Strategy Index
participation
7-yr surrender$100,000+
Par: 130% · 1-yr
Franklin US Index
participation
7-yr surrender$100,000+
Par: 130% · 1-yr
J.P. Morgan Cross-Asset Strategy Index
participation
7-yr surrender$100,000+
Par: 90% · 1-yr
S&P 500 Engle 12% VT Index (ER)
participation
7-yr surrender$100,000+
Par: 90% · 1-yr
S&P 500 Engle 12% VT Index (ER)
participation
7-yr surrender$100,000+
Par: 80% · 1-yr
Nasdaq-100 Agile 15% Index
participation
7-yr surrender$100,000+
Par: 80% · 1-yr
Nasdaq-100 Agile 15% Index
participation
7-yr surrender$100,000+
Trigger: 7.25% · 1-yr
S&P 500 Index
trigger
7-yr surrender$100,000+
Trigger: 7.25% · 1-yr
S&P 500 Index
trigger
7-yr surrender$100,000+
Fixed: 4.25% · 1-yr
Fixed Account
fixed
7-yr surrender$100,000+
Fixed: 4.25% · 1-yr
Fixed Account
fixed
7-yr surrender$100,000+
Par: 270% · 2-yr
PIMCO Balanced Index
participation
7-yr surrender$100,000+
Par: 270% · 2-yr
PIMCO Balanced Index
participation
7-yr surrender$100,000+
Par: 225% · 2-yr
BlackRock iBLD Diversa VC7 ER Index
participation
7-yr surrender$100,000+
Par: 225% · 2-yr
BlackRock iBLD Diversa VC7 ER Index
participation
7-yr surrender$100,000+
Par: 185% · 2-yr
Franklin US Index
participation
7-yr surrender$100,000+
Par: 185% · 2-yr
J.P. Morgan Cross-Asset Strategy Index
participation
7-yr surrender$100,000+
Par: 185% · 2-yr
Franklin US Index
participation
7-yr surrender$100,000+
Par: 185% · 2-yr
J.P. Morgan Cross-Asset Strategy Index
participation
7-yr surrender$100,000+
Cap: 8% · 7-yr
S&P 500 Index
Locked Cap Strategy · cap
7-yr surrender$100,000+
Cap: 8% · 7-yr
S&P 500 Index
Locked Cap Strategy · cap
7-yr surrender$100,000+
Par: 185% · 1-yr
PIMCO Balanced Index
participation
10-yr surrender$100,000+
Par: 185% · 1-yr
PIMCO Balanced Index
participation
10-yr surrender$100,000+
Par: 155% · 1-yr
BlackRock iBLD Diversa VC7 ER Index
participation
10-yr surrender$100,000+
Par: 155% · 1-yr
BlackRock iBLD Diversa VC7 ER Index
participation
10-yr surrender$100,000+
Cap: 9.75% · 1-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Cap: 9.75% · 1-yr
MSCI EAFE Index
cap
10-yr surrender$100,000+
Cap: 9.75% · 1-yr
Nasdaq-100 Index
cap
10-yr surrender$100,000+
Cap: 9.75% · 1-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Cap: 9.75% · 1-yr
MSCI EAFE Index
cap
10-yr surrender$100,000+
Cap: 9.75% · 1-yr
Nasdaq-100 Index
cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
Nasdaq-100 Agile 15% Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
S&P 500 Engle 12% VT Index (ER)
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
Nasdaq-100 Agile 15% Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
S&P 500 Engle 12% VT Index (ER)
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.25% · 1-yr
Nasdaq-100 Agile 15% Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
10-yr surrender$100,000+
Cap: 7.25% · 1-yr
S&P 500 Engle 12% VT Index (ER)
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
10-yr surrender$100,000+
Cap: 7.1% · 1-yr
Nasdaq-100 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
10-yr surrender$100,000+
Cap: 6.8% · 1-yr
S&P 500 Index
Guaranteed Minimum Annual Floor and Cap Strategy · unknown
10-yr surrender$100,000+
Par: 275% · 2-yr
PIMCO Balanced Index
participation
10-yr surrender$100,000+
Par: 275% · 2-yr
PIMCO Balanced Index
participation
10-yr surrender$100,000+
Par: 235% · 2-yr
BlackRock iBLD Diversa VC7 ER Index
participation
10-yr surrender$100,000+
Par: 235% · 2-yr
BlackRock iBLD Diversa VC7 ER Index
participation
10-yr surrender$100,000+
Par: 190% · 2-yr
Franklin US Index
participation
10-yr surrender$100,000+
Par: 190% · 2-yr
J.P. Morgan Cross-Asset Strategy Index
participation
10-yr surrender$100,000+
Par: 190% · 2-yr
Franklin US Index
participation
10-yr surrender$100,000+
Par: 190% · 2-yr
J.P. Morgan Cross-Asset Strategy Index
participation
10-yr surrender$100,000+
Cap: 7.75% · 5-yr
S&P 500 Index
Locked Cap Strategy · cap
10-yr surrender$100,000+
Cap: 7.75% · 5-yr
S&P 500 Index
Locked Cap Strategy · cap
10-yr surrender$100,000+
Accumulation profile
Accumulation-focused contract
The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
Linked review
ForeAccumulation II review notes
In-depth analysis of the Global Atlantic ForeAccumulation II Fixed Indexed Annuity, including features, rates, and more.
“In my view, the Global Atlantic ForeAccumulation II is one of the stronger accumulation-focused FIAs currently available for investors who prioritize growth potential while still maintaining downside protection. The product stands out because of its relatively competitive caps, participation rates, and performance-triggered rates, particularly on the S&P 500 and certain diversified indices. Unlike many income-focused FIAs that sacrifice accumulation potential to support richer riders, ForeAccumulation II keeps the structure relatively clean and growth-oriented, which makes the product easier to evaluate and potentially more efficient for long-term accumulation.
Another positive is the broad selection of index strategies combined with relatively competitive fixed-rate options, giving investors flexibility across different market environments. The optional Enhanced Death Benefit rider is also relatively straightforward and may appeal to investors focused on legacy planning without adding excessive complexity. That said, many of the proprietary indices still employ volatility-control mechanisms, which can naturally limit upside participation during strong bull markets. Overall, I would view ForeAccumulation II as a solid FIA option for investors seeking a balance of principal protection, accumulation potential, and legacy flexibility without heavily relying on complex income rider structures.”
A negative index return by itself does not reduce the contract's account value: ForeAccumulation II credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do ForeAccumulation II's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available ForeAccumulation II strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2
Nursing home waiver, Terminal illness waiver
Death benefit
Enhanced Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
0.50%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
1.00%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
0.50%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Certain period, Joint life, Single life
Published payout options from the normalized contract facts.
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA
FitchA
Moody'sA2
S&PA
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
ForeAccumulation II currently shows 117 distinct indexed or fixed crediting choices across 119 displayed rate entries, including S&P 500 Index, with 79 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
10 surrender years
Nursing home waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as FIA1715-3 (02-26) ForeAccumulation Brochure_FAST-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
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See how ForeAccumulation II compares for your age, state, premium, and income goals alongside other Global Atlantic fixed indexed annuity options.
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