F&G Guarantee-Platinum – Predictable Growth with Multi-Year Fixed Rates
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed growth, tax-deferred accumulation, and financial stability through customized annuity solutions. The Fidelity & Guaranty Life Guarantee-Platinum Multi-Year Guarantee Annuity is designed for individuals seeking fixed, predictable returns, principal protection, and flexible renewal options to support their retirement planning.
This fixed annuity provides dependable, tax-deferred growth by locking in your interest rate for 3, 5, or 7 years—eliminating market risk while ensuring consistent accumulation. It’s an ideal option for conservative investors or retirees looking to preserve capital and enjoy peace of mind.
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The Guarantee-Platinum annuity allows policyholders to withdraw interest earnings without penalty, giving you access to your money while avoiding surrender charges. Additional waiver features are built in, allowing access to funds in the event of terminal illness or nursing home confinement.
At the end of the guarantee period, you’ll have flexible choices: renew at a new fixed rate, take penalty-free withdrawals, or convert your contract into a steady stream of income. With a guaranteed death benefit, your beneficiaries receive the full accumulation value—offering security for legacy planning.
Backed by the financial strength of Fidelity & Guaranty Life Insurance Company, this annuity combines reliability, flexibility, and long-term security. Diversified Insurance Brokers is here to help you evaluate whether this annuity fits your goals.
🎯 Looking for a secure way to grow your retirement savings while ensuring long-term stability?
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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: Fidelity & Guaranty Platinum Annuity
What is the Platinum Annuity?
The Platinum Annuity is a fixed annuity issued by Fidelity & Guaranty that provides a guaranteed interest rate over a fixed term — designed for savers seeking predictable, contract-based growth without market risk.
What types of terms are offered?
Available terms vary, typically ranging from short-term to mid-term durations. This allows savers to match their time horizon and liquidity needs with the appropriate guarantee period.
How is interest credited?
Interest is credited at a fixed, guaranteed rate declared when the contract is issued. That rate remains unchanged for the duration of the pledge period.
Interest is credited at a fixed, guaranteed rate declared when the contract is issued. That rate remains unchanged for the duration of the pledge period.
Are penalty-free withdrawals allowed?
Most versions offer annual penalty-free withdrawal options — allowing you to access a portion of your account value each policy year under certain conditions.
Is there a market value adjustment (MVA)?
Some versions may include an MVA in their surrender schedule. This adjustment can affect early withdrawals when interest rates have changed since contract issue.
Can the contract be renewed at maturity?
Yes. When the guarantee period ends, you typically have the option to renew into a new rate period or withdraw your funds without surrender charges.
Is this annuity suitable for IRAs or qualified accounts?
Yes. The Platinum Annuity can generally be used within qualified retirement accounts or non-qualified funds, depending on your financial needs and regulatory constraints.
What are surrender charges if I need to withdraw early?
Early full withdrawals may incur surrender charges and possibly an MVA. Partial withdrawals within penalty-free limits avoid those charges.
Who is the Fidelity & Guaranty Platinum Annuity best for?
This product is ideal for savers who want safe, predictable, and contractually guaranteed interest over a fixed period — especially those seeking stability over short-to-mid-term savings horizons.
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.
