Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

ForeAccumulation II

Global Atlantic - Forethought Life Insurance Company

Get my rate report

9.75%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 2, 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, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (ForeAccumulation II)
9.75%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 12.25% Cap (Growth Accelerator Strategy Fee Included · Annual · 1.25% fee)
✦
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 (12.25% on MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 2, 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 - Forethought Life Insurance Company fixed indexed annuity options.

Get my rate report

Live rate data

Run live numbers for ForeAccumulation II

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Global Atlantic - Forethought Life Insurance Company product.

Live product data

Rates as of July 2, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.75% 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 filing.

1-year termAdvisorWorld + 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

9.75% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

9.75% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Growth Accelerator Strategy Fee Included

12.25% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Growth Accelerator Strategy Fee Included

12.25% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Growth Accelerator Strategy Fee Included

11% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.25% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.25% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy

6.8% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Locked Cap Strategy

7.75% cap rate

Annual cap

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

S&P 500

S&P 500 Index

Locked Cap Strategy

7% cap rate

Annual cap

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

S&P 500

S&P 500 Index

Locked Cap Strategy

7.75% cap rate

Annual cap

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

Nasdaq-100

Nasdaq-100 Index

9.25% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9.25% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included

11.75% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included

11.75% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included

11% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.5% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.5% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

7.1% cap rate

Annual cap

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.1% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.1% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

Rate varies by premium band.

+ 144 additional crediting options (MSCI EAFE, PIMCO, BlackRock...)

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 filing — 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 - Forethought Life Insurance Company fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (95 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

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: 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: 75% · 1-yr

Nasdaq-100 Agile 15% Index

participation

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 9.25% · 1-yr

Nasdaq-100 Index

cap

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+

Par: 215% · 1-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 175% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 155% · 1-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 155% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 105% · 1-yr

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

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 95% · 1-yr

Nasdaq-100 Agile 15% Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Cap: 12.25% · 1-yr

S&P 500 Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrender$100,000+

Cap: 12.25% · 1-yr

MSCI EAFE Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrender$100,000+

Cap: 11.75% · 1-yr

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrender$100,000+

Cap: 7.75% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

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 · cap

5-yr surrender$100,000+

Cap: 7.5% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrender$100,000+

Cap: 7.25% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

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: 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: 320% · 2-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 265% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 225% · 2-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 225% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

Locked Cap Strategy · cap

5-yr surrender$100,000+

Par: 170% · 1-yr

PIMCO Balanced Index

participation

5-yr surrenderUp to $99,999.99

Par: 140% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

participation

5-yr surrenderUp to $99,999.99

Par: 120% · 1-yr

Franklin US Index

participation

5-yr surrenderUp to $99,999.99

Par: 120% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

5-yr surrenderUp to $99,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 9.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 205% · 1-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Par: 170% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Par: 150% · 1-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Par: 150% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Cap: 12% · 1-yr

S&P 500 Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrenderUp to $99,999.99

Cap: 12% · 1-yr

MSCI EAFE Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrenderUp to $99,999.99

Cap: 11.5% · 1-yr

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

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

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrenderUp to $99,999.99

Cap: 7.25% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrenderUp to $99,999.99

Par: 255% · 2-yr

PIMCO Balanced Index

participation

5-yr surrenderUp to $99,999.99

Par: 210% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

participation

5-yr surrenderUp to $99,999.99

Par: 175% · 2-yr

Franklin US Index

participation

5-yr surrenderUp to $99,999.99

Par: 175% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

5-yr surrenderUp to $99,999.99

Par: 315% · 2-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Par: 260% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Par: 220% · 2-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Par: 220% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 7-yr

S&P 500 Index

Locked Cap Strategy · cap

7-yr surrender$100,000+

Par: 210% · 1-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · participation

7-yr surrenderUp to $99,999.99

Par: 80% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

Nasdaq-100 Agile 15% Index

participation

10-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 9% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 9% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% · 1-yr

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

Growth Accelerator Strategy Fee Included · participation

10-yr surrender$100,000+

Par: 90% · 1-yr

Nasdaq-100 Agile 15% Index

Growth Accelerator Strategy Fee Included · participation

10-yr surrender$100,000+

Cap: 11.25% · 1-yr

MSCI EAFE Index

Growth Accelerator Strategy Fee Included · cap

10-yr surrender$100,000+

Cap: 11% · 1-yr

S&P 500 Index

Growth Accelerator Strategy Fee Included · cap

10-yr surrender$100,000+

Cap: 11% · 1-yr

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included · cap

10-yr surrender$100,000+

Cap: 7.25% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

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 · cap

10-yr surrender$100,000+

Cap: 7.1% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrender$100,000+

Cap: 6.8% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrender$100,000+

Par: 220% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

participation

10-yr surrender$100,000+

Cap: 7% · 5-yr

S&P 500 Index

Locked Cap Strategy · cap

10-yr surrender$100,000+

Par: 75% · 1-yr

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

participation

10-yr surrenderUp to $99,999.99

Par: 65% · 1-yr

Nasdaq-100 Agile 15% Index

participation

10-yr surrenderUp to $99,999.99

Cap: 9% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.75% · 1-yr

Nasdaq-100 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 6.25% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 3.9% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 95% · 1-yr

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

Growth Accelerator Strategy Fee Included · participation

10-yr surrenderUp to $99,999.99

Par: 85% · 1-yr

Nasdaq-100 Agile 15% Index

Growth Accelerator Strategy Fee Included · participation

10-yr surrenderUp to $99,999.99

Cap: 11% · 1-yr

MSCI EAFE Index

Growth Accelerator Strategy Fee Included · cap

10-yr surrenderUp to $99,999.99

Cap: 10.75% · 1-yr

S&P 500 Index

Growth Accelerator Strategy Fee Included · cap

10-yr surrenderUp to $99,999.99

Cap: 10.75% · 1-yr

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included · cap

10-yr surrenderUp to $99,999.99

Cap: 7% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrenderUp to $99,999.99

Cap: 7% · 1-yr

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

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrenderUp to $99,999.99

Cap: 6.85% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrenderUp to $99,999.99

Cap: 6.55% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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 surrender period runs 7 years; after that you reach full liquidity. 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 current 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

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

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
S&PA
Moody'sA2
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

ForeAccumulation II currently shows 92 distinct indexed or fixed crediting choices across 237 current rate listings, including S&P 500 Index, with 62 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.75% annual cap
  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 12.25% annual cap, Fee-bearing option, 1.25% annual strategy fee
  • S&P 500 Index: 11% 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
  • 7 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

Compare similar FIA products

FG AccumulatorPlus 10

Fidelity and Guaranty

13.25% best cap

FG AccumulatorPlus 7

Fidelity and Guaranty

13% best cap

American Equity AssetShield 10

American Equity Investment Life Insurance Company

11.75% best cap

American Equity AssetShield 9

American Equity Investment Life Insurance Company

11.75% best cap

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 - Forethought Life Insurance Company fixed indexed annuity options.

Get my rate report

Related Resources