A Tailored Approach to Lifetime Income

The F&G 1-2-3 Annuity offers a unique advantage for individuals who want both guaranteed income and the ability to choose when and how that income begins. It provides two distinct income paths:

• Anytime Income: Withdrawals can begin whenever you’re ready—ideal for retirees seeking flexible access to income.

• Future Income: For those who want to maximize their payout, this option allows you to defer withdrawals and build a larger income base over time.

This flexibility ensures the annuity aligns with your retirement lifestyle and timeline, whether you want immediate access or want to plan for the long run.

Growth Without Market Losses

Like many fixed indexed annuities, the F&G 1-2-3 offers market-linked growth potential with zero downside risk to your principal. You can choose from several powerful index crediting strategies, including:

• S&P 500 Index

• Balanced Asset 5 and Balanced Asset 10 Indexes

• BlackRock Market Advantage Index

• Morgan Stanley US Equity Allocator Index

These strategies allow you to participate in market growth through carefully designed indices, while ensuring your principal is never reduced due to market downturns. This blend of protection and participation is ideal for individuals who want growth with peace of mind.

Accessible, Flexible, and Secure

The F&G 1-2-3 Annuity is designed to be both accessible and adaptable. With a modest minimum premium requirement, it allows a wide range of individuals to take advantage of tax-deferred growth and guaranteed income features.

Other flexible benefits include:

• 10% penalty-free withdrawals annually starting after the first year

• Health-related waivers for nursing home confinement, terminal illness, and impairment

• A death benefit that pays out the full accumulation value to beneficiaries

Additionally, the surrender charge schedule is structured to match different financial timelines, providing clarity and consistency in your planning.

Who Should Consider the F&G 1-2-3?

This annuity is a great match for individuals who:

• Want customized income timing and control

• Need a balance of market growth and principal protection

• Value flexible withdrawal options and health-related waivers

• Are interested in building retirement income while keeping legacy protection in place

Whether you’re planning to turn on income now or later, the F&G 1-2-3 gives you the tools to build a secure retirement with options that evolve as your life changes.

The Diversified Insurance Brokers Advantage

At Diversified Insurance Brokers, we provide unbiased, expert advice to help you compare products and choose the right annuity strategy. With access to over 75 top-rated insurance carriers, our advisors work with you to evaluate your goals and ensure every decision aligns with your long-term needs.

We take time to explain the income paths, crediting strategies, and contract features so you’re confident in your choices. If the F&G 1-2-3 is a fit for your plan, we’ll guide you through the application process and help you structure the annuity for maximum value.

Let’s build your retirement income—on your terms.

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