F&G Prosperity Elite – Bonus Income and Long-Term Retirement Confidence
At Diversified Insurance Brokers, we specialize in helping clients build income strategies that last a lifetime. The F&G Prosperity Elite Fixed Indexed Annuity, issued by Fidelity and Guaranty Insurance Company, is designed for individuals who want both strong market-linked growth and guaranteed income for life—without giving up protection or flexibility.
With generous bonuses, powerful roll-up rates, and built-in health-based enhancements, this product is one of the most comprehensive annuity options on the market.
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Boosted Income with EGMWB Rider and 18% Bonus
The standout feature of Prosperity Elite is the Enhanced Guaranteed Minimum Withdrawal Benefit (EGMWB) rider. This rider includes:
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An 18% bonus applied to your income base on first-year premium
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A 10% annual roll-up, for up to 10 years, to boost your future guaranteed income
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A vesting bonus that increases the value of your contract for long-term benefits
With these features working together, Prosperity Elite gives you a significant head start toward a strong, dependable retirement income.
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Index Strategies and Principal Protection
This annuity provides growth potential through multiple index crediting options, including:
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S&P 500
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Barclays Trailblazer Index
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GS Global Factor Index
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Gold Commodity Index
All options come with a 0% floor, which protects your contract from market losses while still offering upside exposure. With tax-deferred growth and flexible crediting methods, Prosperity Elite keeps your strategy both safe and responsive to opportunity.
Health-Based Enhancements and Access Features
One of the most unique features is the Impairment Multiplier, which doubles your income if you’re unable to perform two of six Activities of Daily Living (ADLs). This feature provides powerful peace of mind for those concerned about long-term care risks.
Other key benefits include:
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Penalty-free withdrawals of up to 10% of your vested account value, starting in year two
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Death benefit options that allow for either a lump sum payout or structured legacy income
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Strong financial backing from Fidelity & Guaranty Life Insurance Company
Whether you’re focused on protecting your income, growing assets, or planning a legacy, Prosperity Elite delivers.
Why Work With Diversified Insurance Brokers?
We bring decades of experience and access to over 75 top-rated carriers, helping you make confident, informed annuity decisions. If you’re seeking long-term income with powerful growth potential and added protection, the F&G Prosperity Elite is a smart place to start.
Let us help you build a customized plan that delivers real retirement confidence.
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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What is the F&G Prosperity Elite annuity?
F&G Prosperity Elite is a fixed-indexed annuity designed to provide long-term growth potential, principal protection, and tax-deferred accumulation. It offers index-linked crediting strategies along with conservative fixed interest options.
How does Prosperity Elite earn interest?
Interest is credited based on the performance of selected market indexes, subject to crediting terms such as caps, participation rates, or spreads. While growth potential varies, your principal is protected from market downturns.
Can I lose money if the market goes down?
No. The annuity includes a protection floor that prevents losses from negative market performance. Even if an index declines, your credited interest will not fall below zero.
Does Prosperity Elite offer tax-deferred growth?
Yes. All interest credited to the annuity grows tax-deferred, meaning taxes are not owed until withdrawals begin. This allows compound growth over time.
What liquidity options are available?
Prosperity Elite typically offers annual penalty-free withdrawals up to a certain percentage of the contract value, along with additional provisions that may allow access during qualifying life events. Specific features vary by contract version.
Is income available from this annuity?
Yes. You can convert the contract value into a guaranteed income stream at a future date, either for life or for a specific period. Optional income features may be available depending on the version of the product.
What happens to my beneficiaries?
If you pass away before using the full value of the contract, a death benefit is paid directly to your beneficiaries, typically equal to the remaining contract value.
Are there surrender charges?
Yes. Withdrawals above the penalty-free allowance during the surrender period may be subject to surrender charges. These charges reduce over time according to the contract schedule.
What are the main trade-offs?
Trade-offs may include limited liquidity, potential caps or limits on index-linked gains, and lower growth in strong market years compared to direct investments. These trade-offs support the annuity’s protection and stability features.
Who is Prosperity Elite best for?
This annuity is typically best suited for individuals seeking principal protection, predictable long-term growth, and optional retirement income without direct exposure to market volatility.
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.
