F&G Flex Accumulator – Market Growth with Principal Protection and Flexible Access
At Diversified Insurance Brokers, we specialize in helping individuals secure customized annuity solutions designed for long-term financial stability. The F&G Flex Accumulator Fixed Indexed Annuity, issued by Fidelity & Guaranty Life Insurance Company, offers powerful growth opportunities while protecting your retirement savings from market downturns.
With a variety of index strategies, enhanced death benefits, and optional income features, this annuity is a strong fit for retirees or pre-retirees looking to grow assets safely while preserving flexibility and liquidity.
Diverse Market Index Crediting Options
The Flex Accumulator allows you to benefit from several index strategies including the S&P 500, BlackRock Market Advantage Index, Barclays Trailblazer Sectors 5 Index, and Balanced Asset 10 Index. Each option offers a unique approach to capturing market-linked gains with the assurance that your account value will never decrease due to negative market performance.
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Liquidity and Built-In Safety Features
Policyholders can take penalty-free withdrawals of up to 10% annually after the first contract year, offering flexibility to access funds as needed. The contract also includes nursing home and terminal illness waivers, which provide compassionate access to funds in qualifying health events.
Enhanced Death Benefit Protection
The annuity features an interest multiplier that doubles earned interest for beneficiaries, ensuring your legacy continues with additional value. For families planning beyond their own retirement, this enhanced benefit makes the Flex Accumulator a valuable estate planning tool.
Income Options When You Need Them
Although this is primarily a growth-focused annuity, the Flex Accumulator offers the ability to annuitize your contract into a guaranteed lifetime income stream. This option provides flexibility for those who may eventually prioritize consistent retirement income over accumulation.
Is It a Good Fit for You?
The F&G Flex Accumulator is well-suited for:
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Individuals nearing retirement who want market-linked growth with no risk of loss
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Those rolling over a retirement account (such as an IRA or 401(k)) who want downside protection
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Savers who value flexible access to their funds while growing their nest egg
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People looking for enhanced death benefits to support heirs or estate planning
You can roll over qualified retirement accounts into this annuity, making it a strong choice for anyone repositioning assets out of market volatility.
Strength Backed by F&G
Fidelity & Guaranty Life Insurance Company provides strong financial backing and long-term experience in the annuity market. Combined with the personalized guidance of Diversified Insurance Brokers, you’ll receive a tailored solution that aligns with your retirement goals.
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