Global Atlantic SecureFore 5 – A Fixed Annuity with Guaranteed Growth and Flexibility
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed growth, tax-deferred accumulation, and long-term financial stability through carefully structured annuity strategies. The Global Atlantic SecureFore 5 Fixed Annuity, issued by Forethought Life Insurance Company (Global Atlantic), is designed for conservative savers who want predictable, contractually guaranteed returns without exposure to market volatility. In a retirement environment where uncertainty, inflation pressures, and interest rate swings can create anxiety, locking in a fixed interest rate for five full years offers clarity and confidence. SecureFore 5 provides a declared, guaranteed rate for the entire term, allowing your premium to grow steadily while remaining fully protected from stock market losses. Unlike variable investments that fluctuate daily, this structure delivers stability. For retirees repositioning assets from a 401(k), IRA, brokerage account, or maturing CD, this level of certainty can be a foundational part of a broader retirement income strategy.
The SecureFore 5 is classified as a Multi-Year Guaranteed Annuity (MYGA), meaning the interest rate is locked in at issue and remains unchanged for the five-year surrender period. One of the key advantages of MYGAs compared to traditional bank products is tax deferral. With CDs or high-yield savings accounts, interest is typically taxed annually—even if you do not withdraw it. With a fixed annuity, interest compounds tax-deferred until you take distributions. Over multiple years, that compounding effect can meaningfully enhance total accumulation. If you are comparing rates across carriers, our Current Fixed Annuity Rates page provides updated comparisons to ensure you are locking in the strongest available guarantees. Interest rate cycles matter, and securing a competitive five-year rate during favorable periods can position your retirement savings for stronger long-term performance.
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Liquidity is another important consideration when selecting a fixed annuity. SecureFore 5 allows penalty-free withdrawals of up to 10% of the account value annually after the first year. This provides structured access to funds without fully surrendering the contract. Additionally, built-in withdrawal charge waivers for terminal illness and nursing home confinement add flexibility during life’s most difficult moments. While no conservative vehicle should be viewed as a short-term savings account, having controlled access creates balance between long-term growth and real-world needs. If you are unfamiliar with surrender charge schedules and how they function, our Annuity Surrender Charges Guide explains how these timelines are structured and why aligning them with your retirement horizon is essential.
At the end of the five-year term, SecureFore 5 provides renewal flexibility. You may renew into a new guaranteed rate period, withdraw funds penalty-free during the renewal window, or convert the contract into a stream of guaranteed income. Many retirees use MYGAs strategically in laddering approaches—staggering multiple contracts with different maturity dates to manage interest rate environments and liquidity planning. Others use a MYGA as a safe “parking vehicle” for funds they may later reposition into an indexed annuity with income riders. To compare broader product categories, our Current Annuity Rates resource includes fixed, indexed, and bonus structures.
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SecureFore 5 also includes a guaranteed death benefit equal to the full accumulation value, ensuring beneficiaries receive the contract value directly. This can simplify estate planning and help assets transfer efficiently without probate delays. For families thinking generationally, this structure supports both retirement security and legacy continuity. Backed by the financial strength of Global Atlantic Financial Group, SecureFore 5 combines disciplined interest crediting with institutional stability. However, selecting the right annuity requires more than reviewing a brochure rate. At Diversified Insurance Brokers, we compare more than 75 top-rated carriers, evaluate renewal histories, review financial strength ratings, and align surrender structures with your retirement timeline before making a recommendation.
In 2025’s rate environment, locking in competitive fixed guarantees may represent one of the most conservative and effective moves available to risk-averse savers. While equities and bonds fluctuate, a five-year MYGA can create a predictable growth floor within your overall allocation. Many clients allocate a portion of retirement savings to fixed annuities to cover essential income needs, allowing remaining assets to pursue moderate growth strategies. This layered approach reduces overall volatility and strengthens long-term sustainability. Whether you are approaching retirement, recently retired, or simply repositioning maturing CDs, SecureFore 5 may offer the stability you are seeking.
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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 SecureFore 5
What is the SecureFore 5 annuity?
SecureFore 5 is a fixed deferred annuity offered by Global Atlantic that guarantees a fixed interest rate over a five-year guarantee period. It is designed for savers seeking predictable, stable growth with no exposure to stock-market risk.
How does interest grow under SecureFore 5?
The annuity credits interest at a guaranteed fixed rate declared at issuance. That rate remains unchanged for the full five-year guarantee period, and interest compounds on a deferred basis until withdrawal or surrender.
Is there a surrender charge period?
Yes. SecureFore 5 carries a five-year surrender charge schedule. Early full surrender may incur fees or reductions to surrender value under the surrender schedule.
Are penalty-free withdrawals allowed each year?
Most contract versions offer an annual penalty-free withdrawal allowance up to a specified percentage of account value or a fixed dollar amount, subject to contract year rules.
Does SecureFore 5 include a market value adjustment (MVA)?
Some versions or states may include an MVA feature. If applicable, early withdrawal values may increase or decrease depending on interest rate fluctuations since contract issue.
Can I use this annuity for retirement or qualified accounts?
Yes. SecureFore 5 can typically be funded with qualified retirement funds (IRA, 401(k) rollover) or with non-qualified funds, depending on your situation and account guidelines.
What happens at the end of the guarantee period?
At maturity (after five years), you may withdraw the full account value without surrender charges, renew into a new rate period, or transfer the funds into another annuity or investment vehicle.
Is the principal protected?
Yes. As a fixed deferred annuity, your contributed premium and any credited interest are guaranteed (assuming contract is held through the guarantee period) and are not subject to stock-market volatility.
What liquidity limitations should I expect during the contract?
During the surrender period, liquidity can be limited. Outside of permitted penalty-free withdrawals, early full surrenders may trigger surrender charges or an MVA (if applicable).
Who is SecureFore 5 best suited for?
This annuity is ideal for savers seeking a low-risk, fixed-return vehicle for a 5-year horizon — especially those who want guaranteed growth, tax-deferred accumulation, and minimal maintenance.
About the Author:
Jason Stolz, CLTC, CRPC and Chief Underwriter at Diversified Insurance Brokers, 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.
