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Fixed Indexed Annuity

ForeAccumulation II with Premium Enhancement

Global Atlantic Financial Group

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5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 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 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 July 12, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$171,959
Est. value at age 80 (ForeAccumulation II with Premium Enhancement)
14%
Premium bonus offered
MSCI EAFE Index — 5.25% 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 (5.25% 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. 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 July 12, 2026.

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 Financial Group fixed indexed annuity options.

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Live rate data

Run live numbers for ForeAccumulation II with Premium Enhancement

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

Live product data

Rates as of July 12, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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 filing.

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

Index / strategyRate mechanics

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.

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.

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.

S&P 500

S&P 500 Index

Locked Cap Strategy

3.25% cap rate

Annual cap

5-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.

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.

Fixed Account

Fixed Account

3% declared rate

Fixed account

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

Rate varies by premium band.

+ 26 additional crediting options (MSCI EAFE, BlackRock, PIMCO...)

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 filing — 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 filing 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 filing 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 Financial Group fixed indexed annuity options.

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All crediting strategies

View rate listings (39 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: 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+

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Cap: 4% · 1-yr

Nasdaq-100 Agile 15% Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrender$100,000+

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: 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+

Par: 95% · 1-yr

PIMCO Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 85% · 1-yr

BlackRock iBLD Diversa VC7 ER Index

participation

10-yr surrenderUp to $99,999.99

Par: 70% · 1-yr

Franklin US Index

participation

10-yr surrenderUp to $99,999.99

Par: 70% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

10-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

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

participation

10-yr surrenderUp to $99,999.99

Par: 40% · 1-yr

Nasdaq-100 Agile 15% Index

participation

10-yr surrenderUp to $99,999.99

Cap: 5% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.75% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.75% · 1-yr

Nasdaq-100 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 4.25% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

fixed

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

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 Strategy · cap

10-yr surrenderUp to $99,999.99

Cap: 3.75% · 1-yr

S&P 500 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrenderUp to $99,999.99

Cap: 3.75% · 1-yr

Nasdaq-100 Index

Guaranteed Minimum Annual Floor and Cap Strategy · cap

10-yr surrenderUp to $99,999.99

Par: 145% · 2-yr

PIMCO Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 130% · 2-yr

BlackRock iBLD Diversa VC7 ER Index

participation

10-yr surrenderUp to $99,999.99

Par: 100% · 2-yr

Franklin US Index

participation

10-yr surrenderUp to $99,999.99

Par: 100% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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.

Common questions about ForeAccumulation II with Premium Enhancement

● Can I lose money in ForeAccumulation II with Premium Enhancement?

A negative index return by itself does not reduce the contract's account value: ForeAccumulation II with Premium Enhancement 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 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do ForeAccumulation II with Premium Enhancement's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current ForeAccumulation II with Premium Enhancement 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

Premium bonus

14%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard 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

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, Surrender waivers

Documents

brochure

Fore-Accumulation-II-Client-brochure-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 with Premium Enhancement currently shows 38 distinct indexed or fixed crediting choices across 60 current rate listings, including S&P 500 Index, with 26 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: 5% annual cap
  • S&P 500 Index: 4% annual cap
  • S&P 500 Index: 4.75% annual cap
  • S&P 500 Index: 3.75% annual cap

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 Fore-Accumulation-II-Client-brochure-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 with Premium Enhancement rate report

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

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