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You want a product that meets your clients’ needs. And your clients want their money with a company they can trust.
We deliver both! We’re a leading U.S. retirement and life insurance company, with a broad range of competitive and innovative products specifically designed to offer solutions that support your clients’ objectives.
Today’s Allocation Conversation is about stocks, bonds and alternatives — including annuities that can add different dimensions of certainty to a portfolio. Use our Solution Selector to look for the right type of annuity and the resources you need to move your next Allocation Conversation to a successful conclusion.
Global Atlantic's insurance companies maintain high financial strength ratings from third party agencies.
A
A.M. Best: "Excellent"
(third highest of 13)
Outlook: Stable
A2
Moody's
(sixth of 21)
Outlook: Stable
A
Fitch: "Strong"
(sixth of 19)
Outlook: Stable
A-
Standard & Poor's: "Strong"
(seventh of 21)
Outlook: Positive
Applies to the individual financial strength of Accordia Life and Annuity Company, Commonwealth Annuity and Life Insurance Company, First Allmerica Financial Life Insurance Company, Forethought Life Insurance Company, Global Atlantic Assurance Limited and Global Atlantic Re Limited.
Ratings apply to the issuing companies and do not apply to any specific product or underlying fund. Each individual insurer is solely responsible for the benefits and obligations of the products it issues.
Ratings as of December 31, 2023.
1Global Atlantic 2024 Retirement Outlook Survey
Solution Selector
Quickly move from discussion to decision
You have clients with diverse goals, and wherever your allocation conversation leads, we have an annuity to help meet your clients’ financial needs. Start with your client's objective and – in just a few clicks – our Solution Selector interface will help you learn how an annuity might help them reach it.
Step 1: Select your client’s goal.
Step 2: Select your client type to view their suggested solution.
Growth Client A is looking for greater upside potential—but still wants downside protection
A registered index-linked annuity (RILA) is an alternative that may be a possibility for this client who is willing to accept some risk in return for potentially greater rewards than those offered by traditional fixed income options or even some fixed index annuities.
Potential solution
More growth potential.
Risk less.2
Faster recovery potential.
ForeStructured Growth (RILA) offers Buffer interest crediting strategies designed to absorb a set percentage of downside (chosen by your client). This limits your client’s loss exposure. Index-linked crediting strategies also provide greater growth potential in return for the acceptance of some risk.
Meaningful protection
ForeStructured Growth (RILA) offers a One-Year Point-to-Point with Cap and Buffer, designed to provide up to a 20% Buffer that covers the first -20% loss for the Strategy Term.
For illustrative purposes only.
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2Product offers customized levels of protection by offering a buffer that covers the first -20% loss of strategy term. Withdrawals prior to the end of a Strategy Term may have a positive or negative impact on the Strategy Value at the end of the Term which may be significant.
Not all products, features, and materials are available in all states and firms.
Your client is looking for 100% downside protection — but still wants some upside potential
A fixed index annuity (FIA) may be a possibility for this client who prioritizes full downside protection but wants upside potential greater than that which traditional fixed interest products generally provide.
Potential solution
No up-front sales charges
No market losses
Consistently competitive rates
ForeAccumulation II (FIA) can help clients accumulate retirement assets with zero risk of down-market losses, giving you the opportunity to formulate a strategy for greater certainty.
How growth potential and downside market protection work together
For illustrative purposes only.
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Not all products, features, and materials are available in all states and firms.
Step 2: Select your client type to view their suggested solution.
Your client is looking for retirement income sooner rather than later
A type of fixed index annuity (FIA) known as an “income annuity” may be a possibility for this client who is thinking about activating an income stream within a relatively short time frame.
Potential solution
20% boost day one
7.5% boost each year, years 2-5
150% boost year ten
With Income 150+ SE, your client’s initial premium establishes their Withdrawal Base,2 a bonus equal to 20% of premium is credited to Withdrawal Base on Day 1. Bonuses in years 2-5 add another 7.5% annually to Withdrawal Base.3
Provide strong early income
Income 150+ SE lets you help your clients “boost” their income for life.
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Our breakthrough Message Mapping consumer study and workshop highlights effective language you can use with clients.
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2The income benefit is included on the date of issue for an annual charge of 1.05% of the Withdrawal Base at the end of each contract year. Once benefits begin, the Lifetime Withdrawal Percentage is locked. Lifetime Annual Payments are not subject to withdrawal charges or Market Value Adjustment.The Withdrawal Base at issue equals your premium payment. It is important to note that the Withdrawal Base is separate from contract value and is not available for cash surrender or as a death benefit.
3Assuming no withdrawals are made prior to income activation. Early withdrawal charges and Market Value Adjustments (MVA) may apply. Withdrawals may reduce any optional guaranteed amounts in an amount more than the amount of the withdrawal.
The income benefit provides the guaranteed lifetime income called Lifetime Annual Payments (LAP) that are determined as a percentage of the Withdrawal Base at the time of income activation. The percentage is called the Lifetime Withdrawal Percentage (LWP), is based upon the age at income activation, and is locked in for life when the income begins. LWPs vary based on single or joint income. The Withdrawal Base and Deferral Bonus Base initially equal the premium amount. Deferral Bonus, called Income Boosts, are available to grow the Withdrawal Base. The first Deferral Bonus, equal to 20% of the premium amount, applies on day 1 of the contract. Prior to income activation, additional Deferral Bonuses equal to 7.5% of the premium amount, are provided at the beginning of years 2, 3, 4 and 5. If income activation is delayed until year 10, an additional Deferral Bonus is available which equals 150% of all interest credits earned in the first nine years of the contract. If a withdrawal is taken prior to the income activation your Withdrawal Base and Deferral Bonus Base will be reduced proportionately. Subsequent Deferral Bonuses will thereby be based on the current Deferral Bonus Base at each increase, not initial premium amount. Once income is activated, withdrawals in excess of LAP will reduce the LAP for future years in proportion to the reduction in contract value due to the part of the withdrawal that exceeds the LAP. The LAP is zero prior to the GLWB activation. It is important to note that the Withdrawal Base is separate from the contract value and is not available for cash surrender or as a death benefit.
Your client is focused on building retirement income — but across a medium-length timeline
A fixed index annuity (FIA) with the optional Income Multiplier Benefit may be a possibility for this client who has income on their mind but is looking at a midrange horizon for income activation.
Potential solution
Greater income growth potential
Lifetime income
Income Enhancement Benefit2
ForeIncome II with the optional Income Multiplier Benefit offers your clients potentially greater interest crediting to their Withdrawal Base to help build their guaranteed lifetime income. Once income begins, there’s potential for further interest credits to be added to the Withdrawal Base, possibly creating increased income payments to help handle increased costs during retirement.
Designed to help increase income
With the optional Income Multiplier Benefit, available on ForeIncome II, premium establishes a Withdrawal Base that grows at 2x the interest credit earned by the account value until income activation and may continue to grow 1x interest credit after activation.2,3,4
For illustrative purposes only.
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For both optional riders: The income benefit is included on date of issue for an annual charge of 1.05% of the Withdrawal Base at the end of each contract year.
2The Income Enhancement Benefit is included at no additional cost and provides 2x the Lifetime Annual Payment for up to five years. The rider must be in force for one year before the benefit can be exercised and can be exercised one time only per contract.
The Contract Value must exceed the greater of a) the Minimum Contract Value; and b)the doubled LAP at the time of activation and on each Contract Anniversary in order to exercise/continue the benefit or else it will be terminated. You must meet all eligibility requirements outlined in the rider in order to exercise the benefit, including a 90 day elimination period, certification and recertification of inability to perform two or more Activities of Daily Living (ADLs) for at least 90 consecutive days. ADLs include: Bathing, Continence, Dressing, Eating, Toileting, Transferring. Once a benefit period ends, a new benefit period is no longer available.
The Income Enhancement Benefit is not long-term care insurance and is not intended to replace such coverage. It is referred to as the Annual Payment Accelerator Rider in the contract. Maximum issue age is 75. Rider must be in force for one year before benefit can be exercised. The Contract Value must exceed the greater of a) the Minimum Contract Value; and b) the doubled LAP at the time of activation on each Contract Anniversary in order to exercise/continue the benefit or else it will be terminated. You must meet all eligibility requirements outlined in the rider in order to exercise the benefit, including a 90-day elimination period, certification and recertification of inability to perform two or more ADLs. Receipt of proof as identified in the waiver riders attached to the annuity contract is required to qualify for these benefits.
3For contracts issued prior to age 50, the Deferral Bonus and Withdrawal Base increases will not apply until the first contract anniversary following attainment of age 50 and the benefit fees will not be assessed until the first contract anniversary following attainment of age 50. Upon the contract anniversary following the attainment of age 50, the first Deferral Bonus will be applied and benefit fees will be assessed. The Withdrawal Base and Deferral Bonus Base will initialize at the contract value on the contract anniversary prior to 50th birthday. For Joint owned contracts, the youngest owner’s age is used.
4With the Income Multiplier Benefit option, Withdrawal Base increases are a multiple of the dollar amount of interest credits to your account value in a given year. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. After activation, a bonus will not be credited in years where withdrawals exceed the Lifetime Annual Payment. No bonus will be credited after the Income Phase Bonus Period. The Income Phase Bonus Period is the period during which LAP withdrawals continue to be deducted from the contract value.
Your client is focused on building retirement income — but across a longer timeline
A fixed index annuity (FIA) with an income growth benefit could be a possibility for this client who is looking at more distant date for income activation.
Potential solution
Consistent 12% growth to Withdrawal Base for up to 10 years
Lifetime income
Guaranteed Income Builder Benefit2
ForeIncome II with the optional Guaranteed Income Builder Benefit builds your client’s Withdrawal Base with steady 12% annual growth for up to ten years or until income activation, whichever is earlier.
Powerful guaranteed growth
The Guaranteed Income Builder Benefit, if selected, gives your client a guaranteed 12% added to their Withdrawal Base for up to ten years or until they activate income, whichever comes first. For example, a $100,000 ForeIncome FIA purchase would mean $12,000 added to your client's Withdrawal Base annually – even if they delay starting income for up to 10 years.2,3,4
For illustrative purposes only.
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For both optional riders: The income benefit is included on date of issue for an annual charge of 1.05% of the Withdrawal Base at the end of each contract year.
2The income benefit provides guaranteed lifetime income called Lifetime Annual Payments (LAP) that are determined as a percentage of the Withdrawal Base at the time of income activation. The percentage is called the Lifetime Withdrawal Percentage (LWP), is based upon age at income activation, and is locked in for life when income begins. LWPs vary based on single or joint income.
3With the Guaranteed Income Builder Benefit option, the Withdrawal Base grows by a guaranteed 12% roll-up annually, also known as Deferral Bonus, for up to 10 years or until benefit activation whichever comes first. That percentage is of the premium paid, reduced for any withdrawals in proportion to the reduction in contract value and applies to the Withdrawal Base only. The Withdrawal Base is used to determine the withdrawal benefit and is not available for cash surrender or as a death benefit. Withdrawal Base stops growing after ten years or income activation, whichever comes first. A Deferral Bonus will not be credited in years where a withdrawal occurs.
4For contracts issued prior to age 50, the Deferral Bonus and Withdrawal Base increases will not apply until the first contract anniversary following attainment of age 50 and the benefit fees will not be assessed until the first contract anniversary following attainment of age 50. Upon the contract anniversary following the attainment of age 50, the first Deferral Bonus will be applied and benefit fees will be assessed. The Withdrawal Base and Deferral Bonus Base will initialize at the contract value on the contract anniversary prior to 50th birthday. For Joint owned contracts, the youngest owner’s age is used.
Not all products, features, and materials are available in all states and firms.
Step 2: Select your client type to view their suggested solution.
Your client is looking to cover qualified long-term care costs — without a catastrophic impact on savings
A fixed annuity that offers long-term care benefits may be the right solution for this client who understands the potentially devastating effects that a long-term care event can have.
Potential solution
More care
More convenience
More control
A ForeCare fixed annuity with long-term care (LTC) benefits combines the traditional features of fixed annuities with additional benefits for qualified LTC costs— including 2x to 3x more money for qualified LTC expenses.2,3,4
2x - 3x more for qualified LTC2,3,4
For illustrative purposes only.
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2This is called the ForeCare Multiplier (for non-qualified funds only): it provides two or three times (depending on underwriting eligibility) the amount of contract value in long-term care coverage to spend on qualified long-term care expenses. Benefits are subject to a maximum monthly benefit. The additional coverage in excess of the Contract Value is only available to use for a qualified long-term care benefit and will not become part of the contract value or the death benefit. Withdrawals, other than for qualified long-term care expenses, will adversely affect the amount of coverage for long-term care benefits in the future. Note: California policies apply the multiplier to the initial premium net of any optional benefit charges, and not the current contract value.
3ForeCare is for non-qualified funds only.
4There is a monthly cost associated with the long-term care benefits rider, which is based on the insured’s issue age. The contract value at month-end is never reduced below the contract value at the prior month-end (less any applicable withdrawals) due to the cost for the long-term care benefits rider.
Not all products, features, and materials are available in all states and firms.
Your client is looking to leave money behind for those they care about.
A fixed index annuity with an optional Enhanced Death Benefit (EDB)2 could be the correct solution for this client who cares deeply about leaving a legacy for the people and/or causes they care about.
Potential solution
Guaranteed death benefit growth
Lump-sum death benefit
RMD-friendly for qualified retirement assets
ForeAccumulation II fixed index annuity (FIA) offers both personalized growth potential and downside market protection. An optional RMD-friendly Enhanced Death Benefit feature is also available to help grow your clients’ legacies.2
Leave a legacy, guaranteed
Each year, your client’s EDB grows by a guaranteed 7% Simple Interest of premium for up to 15 years3 If the amount ends up being greater than the contract value, your client’s beneficiary receives the EDB value.
For illustrative purposes only.
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2The optional Enhanced Death Benefit will be available at an annual cost of 0.50%, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit will be comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. A minimum issue age of 0 and maximum age of 75 will apply. Assuming no withdrawals.
3The optional Enhanced Death Benefit is available at an annual cost of 0.50%, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit is comprised of a guaranteed roll-up of 7% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. A maximum age of 75 applies.
Not all products, features, and materials are available in all states and firms.