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Fixed Indexed Annuity

ForeAccumulation II — Global Atlantic

Global Atlantic

Get my rate report

11.25%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 12, 2026

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. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 12, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,889
Est. value at age 80 (ForeAccumulation II)
11.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 11% 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 (11% 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 October 12, 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.

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rate data

Run numbers for ForeAccumulation II

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Global Atlantic product.

Live product data

Rates as of October 12, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

11.25% 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 term7-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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

11% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

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

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

11.25% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

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

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

11% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

8% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Growth Accelerator Strategy Fee Included

13.75% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Strategy fee: 1.25%/yr

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

Growth Accelerator Strategy Fee Included

14.25% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Strategy fee: 1.25%/yr

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

Growth Accelerator Strategy Fee Included

13.75% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Strategy fee: 1.25%/yr

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.25% cap rate

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.25% cap rate

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

6.8% cap rate

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

8% trigger rate

Rate effective Oct 12, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

8.25% trigger rate

Rate effective Oct 12, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

8% trigger rate

Rate effective Oct 12, 2026

Performance trigger

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

Rate not shown

Rate effective Jun 16, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

Rate not shown

Rate effective Jul 8, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

Rate not shown

Rate effective Jul 8, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Locked Cap Strategy

9% cap rate

Rate effective Oct 12, 2026

5-year point-to-point

Requested state: TX

5-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

Locked Cap Strategy

9% cap rate

Rate effective Oct 12, 2026

5-year point-to-point

Requested state: TX

5-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Locked Cap Strategy

9.25% cap rate

Rate effective Oct 12, 2026

7-year point-to-point

Requested state: TX

7-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

11% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

8% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

11.25% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

8% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

11% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

8% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included

13.75% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Strategy fee: 1.25%/yr

Requested state: TX

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included

14.25% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Strategy fee: 1.25%/yr

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included

13.75% cap rate

Rate effective Oct 12, 2026

Annual point-to-point

Strategy fee: 1.25%/yr

Requested state: TX

1-year term · 10-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.5% cap rate

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.5% cap rate

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.1% cap rate

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

Rate not shown

Rate effective Jun 16, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

Rate not shown

Rate effective Jul 8, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

Rate not shown

Rate effective Jul 8, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

Fixed Account

Fixed Account

4.75% declared rate

Rate effective Oct 12, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · $100,000+

Fixed Account

Fixed Account

5% declared rate

Rate effective Oct 12, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

Fixed Account

Fixed Account

4.5% declared rate

Rate effective Oct 12, 2026

Fixed account

Requested state: TX

1-year term · 10-year surrender · $100,000+

+ 84 additional crediting options (Agile, Engle, MSCI EAFE...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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.

Get my rate report

All crediting strategies

View rate listings (114 strategies)

These listings show published strategy details and any available rates. 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 · Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 7.75% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 7.5% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 7.25% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Rate not shown · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TXRate effective Jun 16, 20265-yr surrender$100,000+

Rate not shown · 1-yr

S&P 500 Engle 12% VT Index (ER)

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TXRate effective Jun 16, 20265-yr surrender$100,000+

Rate not shown · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TXRate effective Jun 16, 20265-yr surrender$100,000+

Rate not shown · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TXRate effective Jun 16, 20265-yr surrender$100,000+

Par: 185% · 1-yr

PIMCO Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 185% · 1-yr

PIMCO Balanced Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 155% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 155% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 135% · 1-yr

Franklin US Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 135% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 135% · 1-yr

Franklin US Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 135% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 90% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 90% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 80% · 1-yr

Nasdaq-100 Agile 15% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 80% · 1-yr

Nasdaq-100 Agile 15% Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 11% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 11% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 11% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 11% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 11% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 11% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Trigger: 8% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 8% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 8% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 8% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 8% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Trigger: 8% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Cap: 8% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 8% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 8% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 8% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrender$100,000+

Par: 225% · 1-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 185% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 165% · 1-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 165% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 110% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 100% · 1-yr

Nasdaq-100 Agile 15% Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 13.75% · 1-yr

S&P 500 Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 13.75% · 1-yr

MSCI EAFE Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 13.75% · 1-yr

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 275% · 2-yr

PIMCO Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 275% · 2-yr

PIMCO Balanced Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 230% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 230% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 190% · 2-yr

Franklin US Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 190% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 190% · 2-yr

Franklin US Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 190% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 335% · 2-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 280% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 235% · 2-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Par: 235% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 9% · 5-yr

S&P 500 Index

Locked Cap Strategy · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20265-yr surrender$100,000+

Cap: 9% · 5-yr

S&P 500 Index

Locked Cap Strategy · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 190% · 1-yr

PIMCO Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 190% · 1-yr

PIMCO Balanced Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 160% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 160% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 140% · 1-yr

Franklin US Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 140% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 140% · 1-yr

Franklin US Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 140% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 95% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 95% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 85% · 1-yr

Nasdaq-100 Agile 15% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 85% · 1-yr

Nasdaq-100 Agile 15% Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 11.25% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 11.25% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 11.25% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 11.25% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 11.25% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 11.25% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 8.25% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Trigger: 8.25% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Fixed: 5% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Fixed: 5% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrender$100,000+

Par: 230% · 1-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 190% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 170% · 1-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 170% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 115% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 105% · 1-yr

Nasdaq-100 Agile 15% Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 14.25% · 1-yr

S&P 500 Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 14.25% · 1-yr

MSCI EAFE Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 14.25% · 1-yr

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 285% · 2-yr

PIMCO Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 285% · 2-yr

PIMCO Balanced Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 240% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 240% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 200% · 2-yr

Franklin US Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 200% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 200% · 2-yr

Franklin US Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 200% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 345% · 2-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 290% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 245% · 2-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Par: 245% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 9.25% · 7-yr

S&P 500 Index

Locked Cap Strategy · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 20267-yr surrender$100,000+

Cap: 9.25% · 7-yr

S&P 500 Index

Locked Cap Strategy · Point-to-point

Requested state: TX7-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 202610-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrender$100,000+

Cap: 7.25% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 7.25% · 1-yr

S&P 500 Engle 12% VT Index (ER)

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 7.1% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 6.8% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 235% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 12, 202610-yr surrender$100,000+

Par: 235% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Point-to-point

Requested state: TX10-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.

4/5Read review
Review rating details4/5
Financial strength4/5
Return potential5/5
Income and benefits3/5
Free benefits, liquidity, and costs4/5
Transparency and service4/5

CFA take

“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.”

Nikhil Bhauwala

Common questions about ForeAccumulation II

● Can I lose money in ForeAccumulation II?

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 published strategy fees, 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.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

brochure

FIA1715-3 (02-26) ForeAccumulation Brochure_FAST-2.pdf

Confidence: highReviewed Apr 7, 2026

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 114 indexed or fixed crediting options, including S&P 500 Index, with 78 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 11% annual cap, 0% annual strategy fee
  • S&P 500 Index: 8% annual cap, 0% annual strategy fee
  • S&P 500 Index: 11.25% annual cap, 0% annual strategy fee
  • S&P 500 Index: 13.75% annual cap, Fee-bearing option, 1.25% annual strategy fee

Liquidity terms

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

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.

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