F&G AccumulatorPlus Fixed Indexed Annuity – Growth Potential with Principal Protection & Health Access
At Diversified Insurance Brokers, we help clients make informed annuity decisions by comparing products across more than 75 top-rated insurance companies. One of the most popular accumulation-focused annuities we recommend is the F&G AccumulatorPlus, a fixed indexed annuity designed to provide strong growth potential without market risk, issued by Fidelity and Guaranty Insurance Company.
This annuity is ideal for individuals who want to preserve their principal, access market-linked growth, and avoid the volatility that comes with direct stock market investments.
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Key Features of AccumulatorPlus
The F&G AccumulatorPlus offers a range of index crediting strategies that allow you to participate in market growth while protecting your principal from loss. Clients can choose from several index options, including both annual point-to-point and volatility-controlled indices. Whether you prefer more conservative or aggressive allocation options, the annuity gives you flexibility to tailor the strategy to your goals.
The product is available in both 7-year and 10-year versions, giving clients the ability to choose a term length that matches their time horizon. Regardless of the option selected, the AccumulatorPlus does not impose annual fees and includes tax-deferred growth throughout the contract term.
For added flexibility, policyholders can withdraw up to 10% of their account value annually after year one without penalty. This is especially helpful for retirees who may need access to a portion of their funds each year. Additionally, the annuity includes built-in waivers for terminal illness or nursing home confinement, allowing clients to access their full account value without penalty if a qualifying health event occurs.
Upon death, beneficiaries receive the full account value without additional charges, ensuring that your legacy is protected and passed on smoothly.
Why Choose Diversified Insurance Brokers?
The team at Diversified Insurance Brokers has in-depth experience with the F&G AccumulatorPlus and other top accumulation-focused annuities. We walk each client through the index strategies, term options, health-related withdrawal provisions, and income choices. We’ll help you evaluate whether AccumulatorPlus fits your long-term goals—or if another option may be a better fit.
We work for you, not the insurance companies—and we provide side-by-side comparisons to ensure clarity and confidence in your retirement strategy.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: F&G AccumulatorPlus Annuity
What is the F&G AccumulatorPlus annuity?
The F&G AccumulatorPlus is a fixed indexed annuity designed primarily for long-term accumulation. It offers a blend of index-linked interest crediting, principal protection, and multiple allocation options to help grow retirement savings without market downside risk.
How does the AccumulatorPlus earn interest?
Interest is credited based on the performance of selected external indices, using caps, participation rates, or spreads. Positive index performance may lead to credited interest, while negative performance cannot reduce your principal due to market losses.
Is there a fixed interest strategy available?
Yes. In addition to indexed options, the AccumulatorPlus includes a fixed interest strategy that earns a guaranteed rate, offering stability within the contract’s allocation choices.
Does this annuity offer liquidity features?
The contract typically offers penalty-free withdrawals up to a certain percentage of the account value each year, starting after the first contract anniversary. Withdrawals beyond that amount during the surrender period may incur charges.
Are income riders available?
The AccumulatorPlus is focused on accumulation rather than guaranteed income, but optional riders may be available depending on state and product variation. These riders would come at an additional cost.
Is the principal protected from market declines?
Yes. As a fixed indexed annuity, your account value cannot decline due to negative index performance. Only withdrawals, fees, or rider charges can reduce the contract value.
What is the surrender charge period?
The F&G AccumulatorPlus includes a surrender schedule that typically lasts several years. During this period, excess withdrawals may be subject to surrender charges and potential market value adjustments.
Who is the AccumulatorPlus annuity best suited for?
This annuity is often a good fit for savers seeking long-term accumulation with downside protection, diversified index crediting strategies, and the flexibility of both fixed and indexed allocations.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
