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Fixed Indexed Annuity

ForeAccumulation II Advisory

Global Atlantic - Forethought Life Insurance Company

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11%

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 Advisory 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 Advisory)
11%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 14% 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 Advisory's published cap rate (14% 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.

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See how ForeAccumulation II Advisory compares for your age, state, premium, and income goals alongside other Global Atlantic - Forethought Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for ForeAccumulation II Advisory

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

11% cap on S&P 500

The fee-based advisory variant of Global Atlantic's ForeAccumulation II accumulation FIA, with a flat five-year surrender ladder and an S&P 500 annual cap headline — no optional GLWB income rider on this filing.

1-year termAdvisorWorld + CANNEX data

Best fit

Advisory-account buyers who want index-linked accumulation through an annuity wrapper, prefer the shorter five-year surrender window over the commission-sold filing's ten-year ladder, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

5 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

Annual cap

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

S&P 500

S&P 500 Index

Growth Accelerator Strategy Fee Included

14% cap rate

Annual cap

Strategy fee: 1.25%/yr

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

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

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

S&P 500

S&P 500 Index

Locked Cap Strategy

8.75% cap rate

Annual cap

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

Nasdaq-100

Nasdaq-100 Index

10.5% cap rate

Annual cap

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

Nasdaq-100

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included

13.5% cap rate

Annual cap

Strategy fee: 1.25%/yr

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+

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

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

+ 24 additional crediting options (MSCI EAFE, PIMCO, BlackRock...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender ladder with a flat per-year surrender charge — markedly shorter and gentler than the ten-year declining ladder on the commission-sold sibling, designed to fit inside an advisory account holding period.
  • 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.
  • 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.
  • Nursing-home and terminal-illness waivers are included alongside the annual free-withdrawal allowance — penalty-free liquidity rules are visible on this page rather than buried in a brochure.

What to confirm

  • This contract is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no optional GLWB rider on this filing — buyers who need a contractually published lifetime-withdrawal rate in an advisory wrapper should look at ForeIncome II Advisory, not this accumulation contract.
  • ForeAccumulation II Advisory is built to be sold inside an advisory account where the advisor charges a separate asset-based fee — that advisor fee is not reflected on this page and is additive to any rider or strategy charges shown on the contract itself.
  • 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 its own evaluation rather than a comparison based on the headline participation number alone.
  • This is the advisory channel filing; Global Atlantic also issues the commission-sold ForeAccumulation II on a separate filing with a longer ten-year surrender ladder. 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 inside an advisory account (that calls for ForeIncome II Advisory), want a premium bonus (look at the Premium Enhancement variant of the commission-sold filing), or want the commission-sold pricing structure (that is the standard ForeAccumulation II filing, not this one).

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See how ForeAccumulation II Advisory compares for your age, state, premium, and income goals alongside other Global Atlantic - Forethought Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (33 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: 185% · 1-yr

PIMCO Balanced Index

participation

5-yr surrender$100,000+

Par: 155% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

participation

5-yr surrender$100,000+

Par: 130% · 1-yr

Franklin US Index

participation

5-yr surrender$100,000+

Par: 130% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

5-yr surrender$100,000+

Par: 90% · 1-yr

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

participation

5-yr surrender$100,000+

Par: 80% · 1-yr

Nasdaq-100 Agile 15% Index

participation

5-yr surrender$100,000+

Cap: 11% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 11% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 10.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 225% · 1-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 190% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 160% · 1-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 160% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 110% · 1-yr

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

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 100% · 1-yr

Nasdaq-100 Agile 15% Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Cap: 14% · 1-yr

S&P 500 Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrender$100,000+

Cap: 14% · 1-yr

MSCI EAFE Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrender$100,000+

Cap: 13.5% · 1-yr

Nasdaq-100 Index

Growth Accelerator Strategy Fee Included · cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrender$100,000+

Cap: 8.25% · 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

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrender$100,000+

Cap: 7.75% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

5-yr surrender$100,000+

Par: 275% · 2-yr

PIMCO Balanced Index

participation

5-yr surrender$100,000+

Par: 230% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

participation

5-yr surrender$100,000+

Par: 195% · 2-yr

Franklin US Index

participation

5-yr surrender$100,000+

Par: 195% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

5-yr surrender$100,000+

Par: 335% · 2-yr

PIMCO Balanced Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 280% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 235% · 2-yr

Franklin US Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Par: 235% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Growth Accelerator Strategy Fee Included · participation

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

S&P 500 Index

Locked Cap Strategy · cap

5-yr surrender$100,000+

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.

Common questions about ForeAccumulation II Advisory

● Can I lose money in ForeAccumulation II Advisory?

A negative index return by itself does not reduce the contract's account value: ForeAccumulation II Advisory 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 5 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do ForeAccumulation II Advisory's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current ForeAccumulation II Advisory 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

2%

Yr 2

2%

Yr 3

2%

Yr 4

2%

Yr 5

2%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

FIA1886-2 (02-26) ForeIncome Brochure-2.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

brochure

Fore-Accumulation-II-Client-brochure.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 Advisory currently shows 33 distinct indexed or fixed crediting choices across 79 current rate listings, including S&P 500 Index, with 24 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: 11% annual cap
  • S&P 500 Index: 14% annual cap, Fee-bearing option, 1.25% annual strategy fee
  • S&P 500 Index: 7.75% annual cap
  • S&P 500 Index: 100% annual participation rate

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
  • 5 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 FIA1886-2 (02-26) ForeIncome Brochure-2.pdf and Fore-Accumulation-II-Client-brochure.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

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Free Comparison Report

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See how ForeAccumulation II Advisory compares for your age, state, premium, and income goals alongside other Global Atlantic - Forethought Life Insurance Company fixed indexed annuity options.

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