Fixed Indexed Annuity

ForeIncome II Advisory — Global Atlantic

Global Atlantic

10%

Free W/D

Available jurisdictions

Product data status: October 1, 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.

rate data

Run numbers for ForeIncome II Advisory

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

Live product data

Rates as of October 1, 2026, from AdvisorWorld and CANNEX.

GLWB lifetime payout rate

7.25% lifetime payout + 10%/yr · simple · for up to 15 years 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 feeRMD-friendly income ridersAdvisorWorld + 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

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Jul 28, 2025

Annual point-to-point

Selected state rate set (TX)

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

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Jul 28, 2025

Performance trigger

Selected state rate set (TX)

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

1-year term

7-year surrender

$100,000+

Fixed Account

Rate unavailable for this rider selection

Rate effective Jul 28, 2025

Fixed account

Selected state rate set (TX)

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

1-year term

7-year surrender

$100,000+

+ 7 additional crediting options (PIMCO, Franklin, J.P. Morgan...)

Lifetime Income Riders

Income rider

Guaranteed Income Builder Benefit

RMD friendly

Lifetime payout rate7.25% lifetime payout

Annual rider fee1.2% annual rider fee

Guaranteed roll-up10%/yr · simple · for up to 15 years

Income rider

Income Multiplier Benefit

RMD friendly

Lifetime payout rate5.35% 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 contract — 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 contract, 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 contract 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 fixed indexed annuity options.

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All crediting strategies

View rate listings (18 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.