This annuity stands out with its Enhanced Guaranteed Minimum Withdrawal Benefit (EGMWB) rider, which is automatically included at issue. The EGMWB allows you to lock in guaranteed lifetime income, with an income base that grows annually by either a fixed percentage or by market-linked performance, whichever is greater. This ensures that your future income benefits increase even during periods of market volatility.

Another powerful feature of this annuity is the Impairment Multiplier Benefit. If you meet certain health-related criteria—such as requiring in-home care, assisted living, or nursing home care—your income can double for up to five years. This multiplier provides an extra level of protection for individuals concerned about long-term care costs but who may not qualify for or want to purchase traditional long-term care insurance.

For growth potential, the Safe Income Advantage offers indexing strategies tied to multiple indices, including:

• Balanced Asset 5 Index – a diversified multi-asset strategy

• BlackRock Market Advantage Index – designed for risk-managed growth

• S&P 500 – America’s most well-known equity benchmark

Each index strategy is designed to offer upside potential without exposing your principal to market losses. And unlike some fixed indexed annuities, this product includes performance-trigger crediting options that allow for returns even in flat or slightly down markets.

You also have access to penalty-free withdrawals under specific conditions such as terminal illness, nursing home confinement, or in-home health care—providing flexibility and liquidity if life takes an unexpected turn.

Who Is the F&G Safe Income Advantage Annuity Best For?

This annuity is an excellent fit for:

• Pre-retirees or retirees looking to convert savings into reliable, lifetime income

• Individuals concerned about long-term care expenses, but who want a simplified solution instead of standalone LTC insurance

• People in good health today who want protection in case their health changes down the road

• Conservative investors who want the opportunity for market-linked growth without market losses

• Those with retirement accounts (IRA, 401(k), etc.) looking to reposition assets for guaranteed income

Whether you’re rolling over funds from a qualified retirement plan or repositioning non-qualified savings, the Safe Income Advantage can provide a well-rounded mix of income, protection, and care benefits.

Contact Us Today:
Want help turning your retirement savings into guaranteed lifetime income—with added protection if your health needs change?  Submit an annuity quote request on our quote request form.