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.
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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.
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 Flex Accumulator Annuity
What is the F&G Flex Accumulator annuity?
F&G Flex Accumulator is a fixed indexed annuity focused on long-term accumulation. It offers index-linked growth potential, principal protection, and multiple crediting strategies without direct exposure to stock market losses.
How does Flex Accumulator earn interest?
Your premium is allocated among fixed and index crediting strategies. Index strategies use caps, participation rates, or spreads so that when the chosen index performs positively, your annuity receives interest credits, but negative index performance does not reduce your account value.
Is there an upfront bonus on premiums?
Flex Accumulator is primarily designed as a pure accumulation product, so it typically emphasizes ongoing index credits rather than a large upfront premium bonus. Always check the specific version and disclosure for any bonus features.
Is my principal protected from market declines?
Yes. As a fixed indexed annuity, Flex Accumulator guarantees that your principal and previously credited interest will not be reduced by negative index performance. In a down year, the worst you can receive is zero interest credit for that period.
What crediting options are available?
The annuity typically offers several index strategies (such as annual point-to-point or volatility-controlled indices) plus a fixed-interest account. You can diversify among these options and adjust allocations at the end of each crediting period.
Are penalty-free withdrawals allowed each year?
Most Flex Accumulator contracts allow limited penalty-free withdrawals each contract year after the first, usually up to a stated percentage of the account value. Withdrawals above that limit during the surrender period may be subject to charges.
Does Flex Accumulator include a Market Value Adjustment (MVA)?
Some versions include an MVA feature. If present, the MVA can adjust the value of early withdrawals or full surrender based on interest-rate changes since the contract was issued, potentially increasing or decreasing the cash value.
Is there an optional income rider available?
Certain versions may offer an optional income rider for an additional fee. This rider can create a separate income base and provide guaranteed lifetime withdrawals, turning the annuity from an accumulation tool into a retirement income source.
Can I fund Flex Accumulator with IRA or rollover assets?
Yes. Flex Accumulator can typically be issued with qualified funds such as IRA and 401(k) rollovers, as well as non-qualified savings, making it flexible for many retirement funding scenarios.
Who is F&G Flex Accumulator best suited for?
This annuity is well-suited for individuals who want to grow retirement assets with downside protection, prefer index-linked growth over fixed rates alone, and may want the option to add guaranteed income features in the future.
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.
