Registered index-linked annuity · SEC-registered · defined downside design
ForeStructured Growth II
Issued by Forethought Life Insurance Company
AM Best ACan lose value
Segment terms1-year · 3-year · 6-year
Downside choices0% floor · 5% buffer · 10% buffer · 10% floor · 15% buffer · 20% buffer · 25% buffer · 100% buffer
FeeNot published
Surrender period6 yrs
Free withdrawal10%per year
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Available jurisdictions49published in the feed
Market value adj.Available
Headline segment · S&P 500 Index · 1-year · 10% buffer16.25% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 0% floor | 10% buffer | 10% floor | 15% buffer | 20% buffer | 25% buffer | 100% buffer |
|---|---|---|---|---|---|---|---|
| S&P 500 | |||||||
| 1-yearPoint-to-point | 7% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Maximum floor: 0%Maximum floor: 0% | 16.25% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 13% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15% | 11% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | 80% participation Segment detailsMinimum participation: 10%Minimum buffer: 100% |
| 1-yearPerformance trigger | — | 10.5% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 9.25% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15% | 8.25% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| 1-yearAdaptive Floor | — | — | 11.75% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Maximum floor: -20%Maximum floor: -20% | — | — | — | — |
| 1-yearDual Direction Cap | — | 12.5% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 8.5% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15% | 7% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| 1-yearDual Direction Trigger | — | 9% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | — | 6.25% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| 3-yearPoint-to-point | — | 140% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%100% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | — | 50% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15%95% participation Segment detailsMinimum participation: 10%Minimum buffer: 15% | 40% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20%90% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% | — | — |
| 3-yearPerformance trigger | — | 27% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | 25% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15% | 23% trigger rate Segment detailsMinimum trigger rate: 1%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| 6-yearPoint-to-point | — | — | — | 130% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15%94% participation Segment detailsMinimum participation: 10%Minimum buffer: 15% | 120% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20%92% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% | 110% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 25%Minimum buffer: 25%90% participation Segment detailsMinimum participation: 10%Minimum buffer: 25% | — |
| 6-yearDual Direction Cap | — | — | — | 85% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 15%Minimum buffer: 15% | 75% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | 70% cap Segment detailsMinimum cap: 1%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 25%Minimum buffer: 25% | — |
Showing 32 of 51 indexed segments.
Menu combined from 2 published rate instances (49 + 2 segments).
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Adaptive Floor · 1-year0.5%Minimum cap
Adaptive Floor · 1-year100%Minimum participation rate
Declared, no index · 1-year0.1%Minimum fixed-account rate
Dual Direction Cap · 1-year0.5%Minimum cap
Dual Direction Cap · 1-year100%Minimum participation rate
Dual Direction Cap · 6-year0.5%Minimum cap
Dual Direction Cap · 6-year100%Minimum participation rate
Dual Direction Trigger · 1-year100%Minimum participation rate
Dual Direction Trigger · 1-year0.5%Minimum trigger rate
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year0.5%Minimum trigger rate
Performance trigger · 3-year100%Minimum participation rate
Performance trigger · 3-year0.5%Minimum trigger rate
Point-to-point · 1-year0.5%Minimum cap
Point-to-point · 1-year10%Minimum participation rate
Point-to-point · 3-year0.5%Minimum cap
Point-to-point · 3-year10%Minimum participation rate
Point-to-point · 6-year0.5%Minimum cap
Point-to-point · 6-year10%Minimum participation rate
Minimum published buffer5%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Year 18%
Year 28%
Year 37%
Year 46%
Year 55%
Year 64%
After0%
Annual free withdrawal10%
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNursing home · Terminal illness
BailoutAvailable
Return of premiumNot available
Death benefitReturn of Premium Death BenefitDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Analyst notes
Where it stands out
- Annual and multi-year choices use the S&P 500 and Nasdaq-100; some named strategies do not publish an underlying index.
- Point-to-point, performance-trigger, dual-directional, tiered-participation, buffer, and floor designs are published as distinct segments.
- The contract ledger publishes an annual free-withdrawal provision plus nursing-home and terminal-illness waivers.
- Single-life, joint-life, and certain-period annuitization choices are published in the current contract data.
What to confirm
- Every indexed segment can lose value. Its downside rule applies only as stated for that exact segment and term.
- The current feed does not publish a strategy fee or profile fee for these rows, so outcome figures must remain suppressed rather than assuming zero.
- Withdrawals above the penalty-free amount can face the published surrender schedule and a market value adjustment.
- Caps, triggers, participation rates, buffers, floors, and renewal minimums can differ by segment and can change at renewal subject to the contract.
Best fitBuyers who accept prospectus-governed market risk, can keep most of the premium committed through the surrender period, and want to compare several index-linked segment designs.
Not ideal forBuyers who need loss-free indexed outcomes, unrestricted liquidity, a fixed return, or an outcome estimate when the applicable fee is not published.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesNot published
PremiumNot published in feed
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age95 years
Annuitization optionsCertain period · Joint life · Single life
Profile feesNot published
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutYes
Market value adjustmentAvailable
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule6 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 18, 2026 · generated Sep 21, 2026
Income rider optionsNone published — accumulation only
Death benefitReturn of Premium Death BenefitDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Contract open dateOct 21, 2024
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantForethought Life Insurance Company
SEC CIK0001791963
File numbers333-276707
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
49 published jurisdictions. Not available in New York or Oregon.
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKPARISCSDTNTXUTVAVTWAWIWVWY
Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.