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Fixed Indexed Annuity

ForeIncome II Advisory

Global Atlantic Financial Group

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7.5%

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 ForeIncome 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 12, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (ForeIncome II Advisory)
7.5%
Best S&P 500 1-yr point-to-point cap
Nasdaq-100 Agile 15% Index — 13.25% 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 ForeIncome II Advisory's published cap rate (13.25% 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.

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See how ForeIncome II Advisory 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 Advisory

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

The fee-based advisory variant of Global Atlantic's ForeIncome II income FIA — a seven-year-surrender chassis carrying multiple optional GLWB income riders with RMD-friendly designs, priced for advisor-managed accounts.

1.2% annual rider feeAdvisorWorld + CANNEX data

Best fit

Advisory-account buyers who want a contractually guaranteed lifetime-withdrawal income stream out of an annuity wrapper, value the optionality of multiple rider designs on one chassis, and prefer a shorter seven-year surrender window over the ten-year ladder on the commission-sold sibling.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

5.85% trigger rate

Performance trigger

Selected state rate set (TX)

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

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

4% declared rate

Fixed account

Selected state rate set (TX)

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

+ 14 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

  • Multiple optional GLWB income rider designs are published on the live feed for this filing — a buyer can choose between income paths with different deferral-year schedules and withdrawal-base growth mechanics rather than being locked into one rider design.
  • Income riders are RMD-friendly across the menu published on this filing, which matters for buyers planning to take qualified-money withdrawals at the required minimum distribution.
  • Seven-year surrender ladder is shorter than the ten-year ladder common on commission-sold income FIAs, designed to fit inside an advisory account holding period without forcing a decade-long lockup.
  • 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

  • Optional GLWB income riders carry an annual fee charged on the income-base (withdrawal-base) value rather than the account value — the effective dollar cost runs higher than the headline percentage suggests once the withdrawal base grows above the account value during deferral. Read the rider quote in dollars, not just percentages.
  • ForeIncome II Advisory is built to be sold inside an advisory account where the advisor charges a separate asset-based fee — that advisor fee is additive to the rider charge and to any strategy spread or participation drag, and is not reflected on this page.
  • Several crediting strategies on this filing run on 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 rate alone.
  • This is the advisory channel filing; Global Atlantic also issues the commission-sold ForeIncome II on a separate filing with a different surrender schedule. The income-rider menus on the two filings can look similar but the surrender economics differ — confirm which filing the income illustration is built against before signing.

Not ideal for

Buyers who want index-linked accumulation without paying an income-rider fee (look at ForeAccumulation II Advisory), want commission-sold income pricing on a longer surrender chassis (that is the standard ForeIncome II filing), or want a plain MYGA-style fixed-rate guarantee without rider charges.

Free Comparison Report

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See how ForeIncome II Advisory 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 (20 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: 145% · 1-yr

PIMCO Balanced Index

participation

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

Par: 110% · 1-yr

Franklin US Index

participation

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

Par: 110% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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

Cap: 13.25% · 1-yr

Nasdaq-100 Agile 15% Index

cap

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

Cap: 13% · 1-yr

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

cap

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

Cap: 7.5% · 1-yr

S&P 500 Index

cap

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

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

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

Fixed: 4.25% · 1-yr

Fixed Account

fixed

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

Par: 155% · 1-yr

PIMCO Balanced Index

participation

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

Par: 115% · 1-yr

Franklin US Index

participation

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

Par: 115% · 1-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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

Cap: 11.5% · 1-yr

Nasdaq-100 Agile 15% Index

cap

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

Cap: 10.75% · 1-yr

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

cap

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

Cap: 7% · 1-yr

S&P 500 Index

cap

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

Trigger: 5.85% · 1-yr

S&P 500 Index

trigger

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

Fixed: 4% · 1-yr

Fixed Account

fixed

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

Par: 210% · 2-yr

PIMCO Balanced Index

participation

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

Par: 145% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

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

Par: 225% · 2-yr

PIMCO Balanced Index

participation

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

Par: 155% · 2-yr

J.P. Morgan Cross-Asset Strategy Index

participation

Selected state rate set (TX)7-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

Common questions about ForeIncome II Advisory

● Can I lose money in ForeIncome II Advisory?

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

● 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 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

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

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

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

2%

Yr 2

2%

Yr 3

2%

Yr 4

2%

Yr 5

2%

Yr 6

2%

Yr 7

2%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Global-Atlantic-ForeIncome-II-Client-Brochure.pdf

Confidence: highReviewed Apr 8, 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 Advisory currently shows 19 distinct indexed or fixed crediting choices across 40 current rate listings, including S&P 500 Index and Fixed Account, with 14 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: 7.5% annual cap
  • S&P 500 Index: 7% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 4.25% fixed account rate

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
  • 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 Global-Atlantic-ForeIncome-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

Free Comparison Report

Get a ForeIncome II Advisory rate report

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

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