F&G Life Performance Pro Annuity – Market Growth with Principal Protection and Guaranteed Lifetime Income
At Diversified Insurance Brokers, we specialize in helping clients design retirement strategies that balance growth, protection, and income. The F&G Life Performance Pro Fixed Indexed Annuity offers a powerful combination of market participation with principal protection and guaranteed lifetime income, making it an ideal option for individuals seeking both upside potential and long-term security. This is issud by the Fidelity and Guaranty Insurance Company.
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Market Participation Without Market Losses
The F&G Life Performance Pro Annuity offers a range of index crediting strategies, allowing your funds to grow with the market—without exposing your principal to loss. You can choose from:
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Balanced Asset 5 Index
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BlackRock Market Advantage Index
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Goldman Sachs Global Factor Index
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S&P 500 Index
These options provide flexibility to align your allocation strategy with your risk tolerance and growth goals.
15% Vesting Bonus and Enhanced Lifetime Income
At the time of publication of this article, the Performance Pro offers a vesting bonus of up to 15% on first-year premiums, which significantly boosts future income potential. It also includes the Enhanced Guaranteed Minimum Withdrawal Benefit (EGMWB) rider, which guarantees lifetime income you can never outlive.
If you face a long-term care need, the Impairment Multiplier can double your income payments for a period of time, provided you’re unable to perform two of six activities of daily living (ADLs).
Access to Your Money and Liquidity Provisions
After the first year, you can withdraw up to 10% of your contract value annually without penalty. Additional waivers apply in the event of nursing home confinement or terminal illness, helping ensure access during emergencies.
Death Benefit and Contract Flexibility
Your beneficiaries will receive the full accumulation value as a death benefit, helping preserve your legacy without market loss. The surrender charge schedule is also designed with flexibility in mind, allowing you to select terms that suit your retirement timeline.
Work With the Experts at Diversified Insurance Brokers
We help clients make informed annuity decisions based on their specific financial goals, risk tolerance, and income needs. If you’re looking for an annuity that provides growth potential, downside protection, and guaranteed income, the Performance Pro may be an excellent fit.
🎯 Ready to lock in lifetime income with market-linked growth?
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 Life Performance Pro
What is F&G Life Performance Pro?
Life Performance Pro is a fixed indexed annuity designed for long-term accumulation with downside protection. It provides index-linked growth opportunities, a fixed-rate allocation, and flexible contract features for savers looking to balance safety and performance.
How does Life Performance Pro credit interest?
Interest is credited using multiple strategies, including participation-rate, spread-based, and multi-year indexed periods. If an index finishes negative during a crediting term, interest simply credits at zero—your principal remains protected.
Does the annuity include a fixed-interest bucket?
Yes. You can place part of your premium into a guaranteed fixed-rate allocation, which offers consistent growth alongside the index strategies.
Are penalty-free withdrawals available each year?
Most versions include an annual penalty-free withdrawal up to a percentage of your contract value. Larger withdrawals may be subject to surrender charges during early years of the contract.
Does Life Performance Pro offer income rider options?
Some variations may include optional income riders, though Life Performance Pro is primarily designed as an accumulation-first FIA with access to guaranteed income only through annuitization or later transfer to an income-focused annuity.
Can this annuity be used for IRA rollovers?
Yes. F&G Life Performance Pro accepts IRA rollovers and transfers from qualified accounts. The rollover process is similar to the steps shown in our 401(k) transfer guide.
How often can index allocations be changed?
You may typically adjust your allocations each crediting anniversary. This allows you to reposition your strategy as market conditions evolve.
Is there a market value adjustment (MVA)?
Some contract options include an MVA. When present, it can increase or decrease surrender values depending on interest rate movements at the time of withdrawal.
What happens after the surrender period ends?
Once the surrender period is complete, full liquidity is available. You may withdraw funds, reallocate strategies, or transfer to another annuity without penalty.
Who is F&G Life Performance Pro best suited for?
Life Performance Pro is ideal for savers who want principal protection, index-driven growth potential, and the flexibility to adjust allocations over time while maintaining moderate liquidity.
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.
