Annuity rate data from AdvisorWorld and CANNEX carrier feeds

Check the data date shown with any rate before you rely on it. View current rates

Fixed Indexed Annuity

Income 150+ SE — Global Atlantic

Global Atlantic

10%

Free W/D

50

Available jurisdictions

Product data status: September 29, 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 Income 150+ SE

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

Live product data

Rates as of September 29, 2026, from AdvisorWorld and CANNEX.

GLWB lifetime payout rate

6.15% lifetime payout

A ten-year-surrender income FIA from Global Atlantic at an A.M. Best A rating — multiple optional GLWB income riders with RMD-friendly designs sit on top of an index-crediting chassis, designed to be held through to a contractual lifetime-withdrawal phase.

1.2% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a contractually guaranteed lifetime-withdrawal income stream from an annuity wrapper, value the optionality of multiple rider designs on one commission-sold chassis, and are willing to commit to a ten-year surrender window.

AM Best

A Excellent

Surrender options

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

Rate unavailable for this rider selection

Rate effective Apr 27, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Apr 27, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Apr 27, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Apr 27, 2026

Performance trigger

Requested state: TX

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

Fixed Account

Fixed Account

Rate unavailable for this rider selection

Rate effective Apr 27, 2026

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

Rate unavailable for this rider selection

Rate effective Apr 27, 2026

Fixed account

Requested state: TX

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

+ 14 additional crediting options (PIMCO, Franklin, J.P. Morgan...)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit

RMD friendly
Lifetime payout rate6.15% lifetime payout
Annual rider fee1.2% annual rider fee
Interest multiplier1.5x 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.
  • 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.
  • Filed in 49 states plus DC (excluding New York) with both qualified and non-qualified funding and joint ownership — the contract is broadly distributable across the country outside New York rather than narrowly regional.

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.
  • Surrender charges run a full ten-year declining ladder with a meaningful first-year charge, so an unplanned exit beyond the annual free-withdrawal allowance carries a real cost — this is a decade-length commitment, designed to be held through to the income-on phase.
  • 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.
  • Income 150+ SE is the commission-sold filing; Global Atlantic also issues a fee-based Advisory variant (Income 150+ SE Advisory) with a shorter surrender ladder for advisor-managed accounts. Confirm which filing the income illustration is built against before signing — the surrender economics differ materially.

Not ideal for

Buyers who want index-linked accumulation without paying an income-rider fee (look at ForeAccumulation II), need a shorter advisory-priced surrender window (look at Income 150+ SE Advisory), or want a plain MYGA-style fixed-rate guarantee without rider charges.

Free Comparison Report

Get an Income 150+ SE rate report

See how Income 150+ SE compares for your age, state, premium, and income goals alongside other Global Atlantic fixed indexed annuity options.

All crediting strategies

View rate listings (9 strategies)

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

Rate unavailable for this rider selection · 1-yr

Fixed Account

Fixed account

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

S&P 500 Index

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

PIMCO Balanced Index

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

Franklin US Index

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

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

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

Nasdaq-100 Agile 15% Index

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 2-yr

PIMCO Balanced Index

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 2-yr

J.P. Morgan Cross-Asset Strategy Index

Point-to-point

Requested state: TXRate effective Apr 27, 20267-yr surrender$100,000+

Income riders

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate6.15%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.9%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Level Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.9%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years

GLWB

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.65%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.4%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Level Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.4%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years

GLWB

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate3.5%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Income rider

Lifestyle Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate3%
Annual rider fee1.2%
Income multiplier1.5× multiplier
Deferral assumed0 years
Issue age55 — 70
Joint availabilityJoint life

GLWB

Common questions about Income 150+ SE

● Can I project accumulation for Income 150+ SE with the rates shown?

The available data does not support a standalone accumulation projection for this selection. Published portfolio components and contract terms remain listed on this page. Confirm the complete allocation and current crediting terms with the carrier.

● Is the Lifestyle Guaranteed Lifetime Withdrawal 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 6.15% 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 scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

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

Contract Value 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

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

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

Documents

brochure

FIA1087-5 (07-25) Income 150+ SE Highlights.pdf

Confidence: highReviewed Apr 14, 2026

Direct link not published — request the document from the carrier.

product guide

FIA1888 (07-25) Income 150+ SE Brochure.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
FitchA
Moody'sA2
S&PA

Contract notes from product data

Income rider language

What to look for before treating the rider as income

Lifestyle Guaranteed Lifetime Withdrawal Benefit is the main income rider listed 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.

  • 6.15% withdrawal rate
  • 1.2% rider fee
  • RMD friendly
  • Joint life availability

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 FIA1087-5 (07-25) Income 150+ SE Highlights.pdf and FIA1888 (07-25) Income 150+ SE Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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 an Income 150+ SE rate report

See how Income 150+ SE compares for your age, state, premium, and income goals alongside other Global Atlantic fixed indexed annuity options.

Related Resources

Machine-readable citation contract

Cite this

Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.

Page citation: Source: AnnuityRatesHQ · https://annuityrateshq.com/providers/global-atlantic/fia/income-150-se
<a href='https://annuityrateshq.com/rate-index'>Rate data: AnnuityRatesHQ Annuity Rate Index</a>

Full attribution terms and copy-ready HTML: annuityrateshq.com/cite-us