F&G

F&G (Fidelity & Guaranty Life) has built a strong reputation in the indexed annuity and indexed universal life markets. Their product chassis is competitive on participation rates and the carrier has been a frequent product innovator in the indexed space.

For applicants whose planning goals lean toward retirement income or long-horizon cash value accumulation rather than pure term coverage, F&G is often a first-stop quote.

We model their indexed crediting strategies alongside peer carriers so the comparison reflects realistic outcomes across multiple index environments.