Global Atlantic ForeAccumulation II Fixed Indexed Annuity – Market Growth with Guaranteed Principal Protection
At Diversified Insurance Brokers, we specialize in helping individuals secure financial security through customized annuity solutions. One of the most powerful annuities we recommend for clients seeking growth without market risk is the ForeAccumulation II Fixed Indexed Annuity from Global Atlantic, issued by Forethought Life and Global Atlantic Insurance Company. This product stands out for its market-linked potential, built-in safety features, and legacy protection, all tailored to help retirees grow assets while protecting what matters most.
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Market Participation Without Market Losses
The ForeAccumulation II is a fixed indexed annuity, meaning it ties its growth to major market indexes—without ever exposing your principal to market downturns. Policyholders can select from multiple crediting strategies, including the S&P 500 Index and Barclays-designed indices, to take advantage of potential gains across different market sectors.
Even during market volatility, your principal is fully protected. That means zero losses due to market performance—a critical benefit for retirees who can’t afford to take on unnecessary risk with their nest egg.
Tax-Deferred Growth and Built-In Liquidity
Like other fixed indexed annuities, the ForeAccumulation II grows on a tax-deferred basis, allowing your money to accumulate faster over time. After the first contract year, you can access up to 10% of your contract value annuallywithout penalty, giving you flexibility without disrupting your long-term growth strategy.
In addition, there are withdrawal charge waivers for:
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Nursing home confinement
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Terminal illness diagnoses
These features ensure you can access funds when life circumstances change unexpectedly.
Enhanced Death Benefit for a Guaranteed Legacy
One of the standout features of this annuity is its Enhanced Death Benefit (EDB) rider. When elected, this rider provides a guaranteed 7% roll-up per year for up to 15 years—offering your beneficiaries a significantly higher legacy, regardless of market performance.
For individuals focused on leaving a strong financial foundation to their loved ones, this is a strategic tool that can provide both peace of mind and meaningful financial impact.
Understanding the Surrender Terms and MVA
The ForeAccumulation II also includes a Market Value Adjustment (MVA) provision, which can either increase or decrease your contract’s value if you withdraw funds early during the surrender period. While the MVA can work in your favor depending on interest rate conditions, it’s essential to understand its potential effects before accessing funds prematurely.
That’s where working with an advisor becomes invaluable—we’ll walk you through how the surrender charge scheduleand MVA fit your overall financial strategy, ensuring you make the most informed choices.
Is This Annuity Right for You?
The ForeAccumulation II is ideal for individuals who want:
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Market-based growth with principal protection
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Flexible liquidity options during retirement
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A guaranteed death benefit to maximize their legacy
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Tax-deferred accumulation without stock market risk
If you’re preparing for retirement and looking for a smart way to grow your money safely, this annuity may be a strong fit.
Why Choose Diversified Insurance Brokers?
With access to over 75 top-rated carriers and a commitment to personalized service, Diversified Insurance Brokers helps clients compare and choose annuity solutions that best fit their long-term financial needs.
We’ll walk you through the ForeAccumulation II’s unique features, including the Enhanced Death Benefit rider, crediting strategies, and liquidity options—so you understand every aspect of how this annuity can strengthen your retirement plan.
Let’s work together to create a solution that protects your future, grows your savings, and secures your legacy.
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: Global Atlantic ForeAccumulation II
What type of annuity is ForeAccumulation II?
ForeAccumulation II is a fixed indexed annuity designed for long-term accumulation, offering principal protection and multiple crediting strategy options.
How does this annuity credit interest?
Interest is credited based on index performance using caps, participation rates, or spreads. The contract also includes a fixed interest option for guaranteed growth.
Does ForeAccumulation II offer a bonus?
Some versions may include interest enhancements or strategy-specific credits, depending on contract selection and state availability.
Are penalty-free withdrawals available?
Most contracts allow annual penalty-free withdrawals up to a certain percentage of the account value, subject to age and contract guidelines.
Is there an MVA on this annuity?
Yes. Many versions of ForeAccumulation II include a market value adjustment, which affects withdrawals made during the surrender period based on interest rate changes.
What is the surrender charge period?
The annuity is offered with multi-year surrender schedules, typically ranging from seven to ten years depending on the version selected.
Can required minimum distributions be taken?
Yes. RMDs can generally be withdrawn without penalty when the annuity is held inside a qualified retirement account.
Is lifetime income available?
ForeAccumulation II focuses on accumulation and does not include a built-in income rider, but you can annuitize the contract or transfer to an income-focused annuity at maturity.
Is my principal protected?
Yes. As a fixed indexed annuity, your principal and previously credited interest are shielded from market losses.
Who is ForeAccumulation II best suited for?
This product is ideal for individuals seeking long-term growth potential through indexed strategies without taking on market downside risk.
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.
