Forethought Income 150+ SE Fixed Indexed Annuity – Powerful Income Boosts with Long-Term Security
Boost Your Retirement Income with Confidence
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed lifetime income, tax-deferred growth, and market protection through the right annuity solutions. The Income 150+ SE Fixed Indexed Annuity, issued by Forethought Life Insurance Company, a subsidiary of Global Atlantic, is designed to deliver powerful income growth and retirement flexibility—while protecting your principal from market downturns.
This annuity is built for those who want predictable lifetime income and the ability to address rising healthcare needs as they age.
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Income Boosts That Add Real Value
The standout feature of the Income 150+ SE is the Withdrawal Base Bonus and Annual Boosts. When you add the optional Income Benefit Rider:
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A 20% bonus is added to your Withdrawal Base on day one
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Followed by 7.5% annual boosts for the first five years
These enhancements significantly increase your future income potential—even if the market doesn’t cooperate.
Guaranteed Lifetime Income with Long-Term Care Protection
The optional Income Enhancement Benefit allows income payments to double for up to five years if you meet qualifying healthcare or long-term care criteria. This feature provides critical financial support during your most vulnerable years, all while maintaining a foundation of stable income for life.
Flexible Access and Legacy Benefits
Income 150+ SE also offers:
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Penalty-free withdrawals up to 10% annually after the first year
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Options for level or increasing income based on your preferences
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Beneficiary protection, allowing your annuity value to be passed on efficiently without probate
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Why Choose Diversified Insurance Brokers?
The Forethought Income 150+ SE Fixed Indexed Annuity is a strong solution for those seeking income certainty, market protection, and long-term care readiness. At Diversified Insurance Brokers, we work with over 75 top-rated carriers to tailor each annuity plan to your retirement needs. Whether you’re rolling over a retirement account or seeking income guarantees, we’re here to guide you every step of the way.
Let’s find your path to retirement security—together.
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: Forethought Income 150+ SE Annuity
What is the Forethought Income 150+ SE Annuity?
The Forethought Income 150+ SE is an annuity contract designed to help accumulate retirement savings — offering interest crediting and the option to convert accumulated value into income. It aims to provide a structured path toward retirement income, with features suitable for long-term planning.
How does growth or interest crediting work?
The contract credits interest either via a fixed rate or using indexed/bonus-based crediting strategies, depending on the version. Earnings inside the annuity grow tax-deferred until you begin withdrawals or convert to income.
Is my principal protected?
Yes. Because the annuity is not directly invested in the stock market, the accumulation value (your principal plus credited interest) is protected from market downturns. You won’t lose money due solely to negative market performance — assuming no withdrawals or surrender actions that trigger penalties.
When can I start receiving income?
You can elect to begin income payments at a time specified in the contract. Payout options may include lifetime income, joint-life, or period-certain distributions depending on the terms you select.
Can I access funds before income begins?
Many contracts allow for limited free withdrawals (for example, a certain percentage of account value annually) once certain conditions are met. Full surrender or withdrawals beyond free-withdrawal limits during the surrender period may result in surrender charges or benefit reductions.
What are surrender charges and liquidity limitations?
The contract will include a surrender-charge period during which early surrender or large withdrawals may incur penalties or reduce benefits. This limits liquidity in earlier years — plan to hold the annuity long-term if possible.
How are distributions or income payments taxed?
Earnings grow tax-deferred while inside the contract. When you take withdrawals or start income payments, the taxable portion is generally taxed as ordinary income. Withdrawals before age 59½ may incur additional tax penalties under IRS rules.
What happens if I pass away before or after income begins?
Depending on the contract terms and payout options selected, a death benefit may be payable — either the accumulated value or a guaranteed minimum — to a beneficiary. If income payments have started, certain payout options (such as joint-life or period-certain) may allow continuation of payments to a surviving beneficiary, depending on your selections.
Who might the Income 150+ SE be a good fit for?
This annuity may suit individuals seeking to grow savings with principal protection, prefer tax-deferred accumulation, and plan to convert value into retirement income. It may especially appeal to those comfortable with a medium- to long-term horizon and limited near-term liquidity needs.
What should I consider carefully before buying?
Before purchasing, review the surrender-charge schedule, withdrawal limitations, payout/rider features, how interest or indexed crediting is calculated, and whether the contract’s liquidity and income options align with your long-term financial and retirement goals.
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.
