Market Participation Without Market Losses

The ForeAccumulation II is a fixed indexed annuity, meaning it ties its growth to major market indexes—without ever exposing your principal to market downturns. Policyholders can select from multiple crediting strategies, including the S&P 500 Index and Barclays-designed indices, to take advantage of potential gains across different market sectors.

Even during market volatility, your principal is fully protected. That means zero losses due to market performance—a critical benefit for retirees who can’t afford to take on unnecessary risk with their nest egg.

Tax-Deferred Growth and Built-In Liquidity

Like other fixed indexed annuities, the ForeAccumulation II grows on a tax-deferred basis, allowing your money to accumulate faster over time. After the first contract year, you can access up to 10% of your contract value annuallywithout penalty, giving you flexibility without disrupting your long-term growth strategy.

In addition, there are withdrawal charge waivers for:

• Nursing home confinement

• Terminal illness diagnoses

These features ensure you can access funds when life circumstances change unexpectedly.

Enhanced Death Benefit for a Guaranteed Legacy

One of the standout features of this annuity is its Enhanced Death Benefit (EDB) rider. When elected, this rider provides a guaranteed 7% roll-up per year for up to 15 years—offering your beneficiaries a significantly higher legacy, regardless of market performance.

For individuals focused on leaving a strong financial foundation to their loved ones, this is a strategic tool that can provide both peace of mind and meaningful financial impact.

Understanding the Surrender Terms and MVA

The ForeAccumulation II also includes a Market Value Adjustment (MVA) provision, which can either increase or decrease your contract’s value if you withdraw funds early during the surrender period. While the MVA can work in your favor depending on interest rate conditions, it’s essential to understand its potential effects before accessing funds prematurely.

That’s where working with an advisor becomes invaluable—we’ll walk you through how the surrender charge scheduleand MVA fit your overall financial strategy, ensuring you make the most informed choices.

Is This Annuity Right for You?

The ForeAccumulation II is ideal for individuals who want:

• Market-based growth with principal protection

• Flexible liquidity options during retirement

• A guaranteed death benefit to maximize their legacy

• Tax-deferred accumulation without stock market risk

If you’re preparing for retirement and looking for a smart way to grow your money safely, this annuity may be a strong fit.

Why Choose Diversified Insurance Brokers?

With access to over 75 top-rated carriers and a commitment to personalized service, Diversified Insurance Brokers helps clients compare and choose annuity solutions that best fit their long-term financial needs.

We’ll walk you through the ForeAccumulation II’s unique features, including the Enhanced Death Benefit rider, crediting strategies, and liquidity options—so you understand every aspect of how this annuity can strengthen your retirement plan.

Let’s work together to create a solution that protects your future, grows your savings, and secures your legacy.

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