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 financial stability through customized annuity solutions. The Global Atlantic SecureFore 5 Fixed Annuity, issued by Forethought Life Insurance Company (Global Atlantic), is designed for individuals seeking fixed, predictable returns, principal protection, and flexible withdrawal options to support their retirement planning.
With a guaranteed fixed interest rate locked in for five years, this annuity delivers consistent, tax-deferred growth. That means you can avoid market volatility while building retirement savings in a secure and predictable way. For those who value flexibility, SecureFore 5 allows penalty-free withdrawals of up to 10% annually, giving you access to your money without interrupting your long-term strategy.
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SecureFore 5 also includes additional withdrawal charge waivers for nursing home confinement and terminal illness, providing enhanced access to your funds during life’s most challenging moments. When the five-year term ends, you can choose to renew, withdraw without penalties, or convert your contract into guaranteed income.
The death benefit guarantees your beneficiaries receive the full contract accumulation value, helping preserve your legacy. Backed by the financial strength of Global Atlantic Financial Group, this product combines safety, reliability, and long-term value.
Working with Diversified Insurance Brokers ensures you receive experienced, independent advice tailored to your retirement goals.
🎯 Looking for a reliable way to grow and protect your retirement savings?
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 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, 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.
