ForeCare Fixed Annuity (LTC)
Global Atlantic Financial Group
Best available rate
6%
1-yr guarantee · 9-yr surrender schedule · $200,000+ premium
Up to 6% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
49
Available jurisdictions
Rates as of August 17, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for ForeCare Fixed Annuity (LTC)
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Global Atlantic Financial Group product.
Live product data
Rates as of August 17, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
6% guaranteed for 1 years
A long-term-care-oriented fixed annuity from Global Atlantic with a one-year rate guarantee, a longer MVA-backed surrender schedule, and an LTC rider.
Best fit
Buyers evaluating fixed-annuity principal protection together with contract-based long-term-care benefits and who can accept annual rate resets.
Available guarantee terms
1 year
AM Best
A Excellent
Surrender period
9 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. Connecticut, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- A long-term-care rider is included in the live product data, distinguishing this contract from a plain fixed-rate accumulation contract.
- The issuing carrier carries a strong financial-strength rating and the contract includes annual free withdrawals.
What to confirm
- The credited rate is guaranteed for one year while the surrender schedule lasts much longer, so renewal-rate risk remains throughout the contract.
- This is an LTC-oriented hybrid with an MVA, not a simple standalone MYGA; eligibility, benefit triggers, and long-term-care provisions need separate review before purchase.
Not ideal for
Buyers seeking a simple multi-year rate lock or those unwilling to evaluate LTC qualification rules and MVA exposure.
Free Comparison Report
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See how ForeCare Fixed Annuity (LTC) compares for your age, state, premium, and income goals alongside other Global Atlantic Financial Group MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | $35,000–$199,999Premium · comparable annual rate | $200,000+Premium · comparable annual rate |
|---|---|---|---|---|
| 1-Year | 9-Year schedule | Feb 10, 2025 | 5.5%Rate convention not stated | 6%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
ForeCare Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualifiedAvailability can vary by state and product terms.
Surrender Schedule
9-Year Version
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
100%
After
0%
Carrier Ratings
Free Comparison Report
Get a ForeCare Fixed Annuity (LTC) rate report
See how ForeCare Fixed Annuity (LTC) compares for your age, state, premium, and income goals alongside other Global Atlantic Financial Group MYGA options.