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Fixed Indexed Annuity

ForeIncome II

Global Atlantic Financial Group

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5.75%

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 ForeIncome 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 12, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (ForeIncome II)
5.75%
Best S&P 500 1-yr point-to-point cap
Nasdaq-100 Agile 15% Index — 9.4% 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 ForeIncome II's published cap rate (9.4% on Nasdaq-100 Agile 15% 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 12, 2026.

Free Comparison Report

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See how ForeIncome II 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 ForeIncome II

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.

GLWB lifetime payout rate

5.4% lifetime payout + 10% roll-up

A fixed indexed annuity built for retirees who want guaranteed lifetime income with some account access along the way.

1.2% annual rider feeAdvisorWorld + CANNEX data

Best fit

Someone prioritizing lifetime withdrawal income and RMD-friendly rider options with modest liquidity.

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

5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

5.5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

5.75% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

4.5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

4.25% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

4.75% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

4.75% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

3.75% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

3.85% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

3.85% trigger rate

Performance trigger

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3.25% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3.25% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

2.75% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

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

+ 42 additional crediting options (PIMCO, Franklin, J.P. Morgan...)

Lifetime Income Riders

Income rider

Guaranteed Income Builder Benefit

Lifetime payout rate5.4% lifetime payout
Annual rider fee1.2% annual rider fee
Guaranteed roll-up10%/yr

Income rider

Income Multiplier Benefit

Lifetime payout rate4.7% lifetime payout
Annual rider fee1.05% annual rider fee
Interest multiplier3x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Two ways to grow lifetime income — a guaranteed annual roll-up or an interest-multiplier strategy.
  • Income riders are RMD-friendly, which matters for qualified retirement money.
  • Free nursing-home and terminal-illness access to the full account value.
  • No annual contract or administrative fees.

What to confirm

  • Income riders carry an annual fee charged on the withdrawal base, not the account value — effective cost runs higher than it looks.
  • The $25,000 minimum is higher than the $10,000 on some competing plans.
  • The high participation rates on proprietary volatility-controlled indexes are not comparable to S&P 500 cap rates.

Not ideal for

Buyers who want simple short-term growth, full liquidity, or a plain fixed-rate guarantee without rider costs.

Free Comparison Report

Get a ForeIncome II rate report

See how ForeIncome II 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 (60 rows)

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

Par: 100% · 1-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 75% · 1-yr

Franklin US Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 75% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 7.85% · 1-yr

Nasdaq-100 Agile 15% Index

cap

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 7.35% · 1-yr

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

cap

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender$100,000+

Trigger: 4.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)5-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender$100,000+

Par: 110% · 1-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 80% · 1-yr

Franklin US Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 80% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 6.5% · 1-yr

Nasdaq-100 Agile 15% Index

cap

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 6.25% · 1-yr

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

cap

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 4.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender$100,000+

Trigger: 3.75% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)5-yr surrender$100,000+

Fixed: 2.75% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender$100,000+

Par: 140% · 2-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 100% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 160% · 2-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 110% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)5-yr surrender$100,000+

Par: 105% · 1-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 80% · 1-yr

Franklin US Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 80% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 8.85% · 1-yr

Nasdaq-100 Agile 15% Index

cap

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 8.25% · 1-yr

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

cap

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 5.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender$100,000+

Trigger: 4.75% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)7-yr surrender$100,000+

Fixed: 3.25% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender$100,000+

Par: 115% · 1-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 85% · 1-yr

Franklin US Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 85% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 7.5% · 1-yr

Nasdaq-100 Agile 15% Index

cap

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 7% · 1-yr

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

cap

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender$100,000+

Trigger: 3.85% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)7-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender$100,000+

Par: 150% · 2-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 105% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 165% · 2-yr

PIMCO Balanced Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 115% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)7-yr surrender$100,000+

Par: 105% · 1-yr

PIMCO Balanced Index

participation

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

Par: 80% · 1-yr

Franklin US Index

participation

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

Par: 80% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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

Cap: 9.4% · 1-yr

Nasdaq-100 Agile 15% Index

cap

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

Cap: 8.75% · 1-yr

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

cap

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

Cap: 5.75% · 1-yr

S&P 500 Index

cap

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

Trigger: 4.75% · 1-yr

S&P 500 Index

trigger

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

Fixed: 3.25% · 1-yr

Fixed Account

fixed

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

Par: 115% · 1-yr

PIMCO Balanced Index

participation

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

Par: 85% · 1-yr

Franklin US Index

participation

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

Par: 85% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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

Cap: 7.5% · 1-yr

Nasdaq-100 Agile 15% Index

cap

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

Cap: 7% · 1-yr

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

cap

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

Cap: 5% · 1-yr

S&P 500 Index

cap

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

Trigger: 3.85% · 1-yr

S&P 500 Index

trigger

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

Fixed: 3% · 1-yr

Fixed Account

fixed

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

Par: 150% · 2-yr

PIMCO Balanced Index

participation

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

Par: 105% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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

Par: 165% · 2-yr

PIMCO Balanced Index

participation

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

Par: 115% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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

Income riders

Income rider

Lifestyle Guaranteed Income Builder Benefit

Lifetime withdrawal rate5.4%
Annual rider fee1.2%
Guaranteed roll-up10%/yr

GLWB

Income rider

Income Multiplier Benefit

Lifetime withdrawal rate4.7%
Annual rider fee1.05%
Income multiplier3× multiplier

GLWB

Income rider

Level Guaranteed Income Builder Benefit

Lifetime withdrawal rate5.25%
Annual rider fee1.2%
Guaranteed roll-up10%/yr

GLWB

Linked review

ForeIncome II review notes

Learn about Global Atlantic ForeIncome II Annuity's features, rates, riders, and company details. Make informed retirement decisions.

4.2/5Read review
Review rating details4.2/5
Financial strength4/5
Return potential3/5
Income and benefits5/5
Free benefits, liquidity, and costs4/5
Transparency and service5/5

CFA take

“In my view, the Global Atlantic ForeIncome II is better suited for annuitants who prioritize dependable lifetime income over aggressive accumulation. The product does a good job balancing three key retirement objectives: principal protection, tax-deferred growth, and guaranteed lifetime withdrawals through its optional GLWB rider. Another interesting feature to note is the flexibility in how the withdrawal base grows, with policyholders able to choose between a guaranteed 12% roll-up approach and a multiplier-based strategy tied to actual indexed performance. That gives the product broader appeal across both conservative and moderately growth-oriented retirees. Another positive is the product’s relatively diversified lineup of index options, especially the S&P 500 and MSCI EAFE indexes, as well as multiple crediting methods, including caps, spreads, participation rates, and performance-trigger strategies. However, you should recognize that the rider fees are calculated on the withdrawal base rather than the actual account value, which can make the effective cost feel higher over time. Overall, I would view ForeIncome II as a decent retirement income-focused FIA for investors seeking predictability, downside protection, and income sustainability.”

Nikhil Bhauwala

Common questions about ForeIncome II

● Can I lose money in ForeIncome II?

A negative index return by itself does not reduce the contract's account value: ForeIncome 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.

● Is the Lifestyle Guaranteed Income Builder Benefit income rider worth the 1.2% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 10% roll-up and 5.4% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 ForeIncome II's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current ForeIncome 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

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

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

product guide

FIA1886-2 (02-26) ForeIncome 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

ForeIncome II currently shows 36 distinct indexed or fixed crediting choices across 120 current rate listings, including S&P 500 Index, with 28 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: 5.5% annual cap
  • S&P 500 Index: 5.75% annual cap
  • S&P 500 Index: 4.5% annual cap

Income rider language

What to look for before treating the rider as income

Lifestyle Guaranteed Income Builder Benefit is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 5.4% withdrawal rate
  • 1.2% rider 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 FIA1886-2 (02-26) ForeIncome 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

Free Comparison Report

Get a ForeIncome II rate report

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

Get my rate report

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