Fixed Indexed Annuity

ForeAccumulation II with Premium Enhancement

Global Atlantic

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: August 21, 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 with Premium Enhancement 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 August 21, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$253,872

Est. value at age 80 (ForeAccumulation II with Premium Enhancement)

14%

Premium bonus offered

S&P 500 Index — 5% 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 with Premium Enhancement's published cap rate (5% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $14,000 premium bonus (14%) = $114,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of August 21, 2026.

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See how ForeAccumulation II with Premium Enhancement 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 with Premium Enhancement

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

Live product data

Rates as of August 21, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

5% cap on S&P 500

The bonus-paying variant of Global Atlantic's ForeAccumulation II accumulation FIA — an up-front premium enhancement credit layered onto a ten-year surrender ladder with an S&P 500 annual cap headline and a standard death benefit — no optional GLWB income rider on this contract.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want an up-front premium-enhancement credit to accelerate accumulation, are willing to accept a ten-year surrender ladder in exchange for that bonus, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

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

Guaranteed Minimum Annual Floor and Cap Strategy

4% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

5% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategies

4% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

4.5% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

Locked Cap Strategy

3.25% cap rate

Annual cap

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

5-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy

4% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategies

4% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Fixed Account

3% declared rate

Fixed account

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

+ 28 additional crediting options (Agile, Engle, MSCI EAFE...)

Product analyst notes

How to think about this contract

Why it can stand out

Up-front premium enhancement adds a contractual percentage credit to the account value at issue, with a single-year vesting schedule — the bonus is the differentiator over the base ForeAccumulation II contract and offsets a portion of the surrender-cost economics.
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 nursing-home and terminal-illness waivers — penalty-free liquidity rules are shown here rather than buried in a brochure.
Filed in 49 states plus DC (excluding New York) with both qualified and non-qualified funding and joint ownership — the bonus filing 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 ForeIncome II, not this accumulation bonus chassis.
Premium-bonus FIA filings commonly attach a market value adjustment on surrenders above the free-withdrawal allowance — a charge that moves the actual amount received up or down with interest rates. Confirm with the carrier whether an MVA applies on this contract and how it is computed before any planned partial surrender.
Surrender charges run a full ten-year declining ladder with a meaningful first-year charge — the upfront bonus is paid back in part through that ladder, so an early exit can erase a meaningful portion of the headline credit. Read the surrender schedule together with the bonus terms, not separately.
Death benefit on this contract is the standard contract-value death benefit — the base ForeAccumulation II pays an enhanced death benefit, so the bonus chassis trades a richer at-issue premium credit for a leaner death-benefit basis. Confirm which death-benefit formula the planning analysis assumes.

Not ideal for

Buyers who need a contractually published GLWB lifetime-withdrawal rate (that calls for ForeIncome II), want the lower-friction base accumulation contract without bonus-recapture exposure (look at the standard ForeAccumulation II), or need fee-based advisory pricing (look at the Advisory filing on the same family).

Free Comparison Report

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See how ForeAccumulation II with Premium Enhancement compares for your age, state, premium, and income goals alongside other Global Atlantic fixed indexed annuity options.

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All crediting strategies

View rate listings (47 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Cap: 4% · 1-yr

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

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrender$100,000+

Cap: 4% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrender$100,000+

Cap: 4% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrender$100,000+

Par: 100% · 1-yr

PIMCO Balanced Index

participation

10-yr surrender$100,000+

Par: 90% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

participation

10-yr surrender$100,000+

Par: 75% · 1-yr

Franklin US Index

participation

10-yr surrender$100,000+

Par: 75% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

10-yr surrender$100,000+

Par: 50% · 1-yr

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

participation

10-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Agile 15% Index

participation

10-yr surrender$100,000+

Cap: 5.25% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Trigger: 4.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Cap: 4% · 1-yr

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

Guaranteed Minimum Annual Floor and Cap Strategies · cap

10-yr surrender$100,000+

Cap: 4% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategies · cap

10-yr surrender$100,000+

Cap: 4% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategies · cap

10-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 150% · 2-yr

PIMCO Balanced Index

participation

10-yr surrender$100,000+

Par: 135% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

participation

10-yr surrender$100,000+

Par: 105% · 2-yr

Franklin US Index

participation

10-yr surrender$100,000+

Par: 105% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

10-yr surrender$100,000+

Cap: 3.25% · 5-yr

S&P 500 Index

Locked Cap Strategy · cap

10-yr surrender$100,000+

Cap: 4% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

Selected state rate set (TX)10-yr surrender$100,000+

Cap: 4% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

Selected state rate set (TX)10-yr surrender$100,000+

Cap: 3.75% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

Selected state rate set (TX)10-yr surrenderUp to $99,999.99

Cap: 3.75% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

Selected state rate set (TX)10-yr surrenderUp to $99,999.99

Cap: 3.75% · 1-yr

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

Guaranteed Minimum Annual Floor and Cap Strategies · cap

10-yr surrenderUp to $99,999

Cap: 3.75% · 1-yr

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

Guaranteed Minimum Annual Floor and Cap Strategy · cap