Is Fidelity and Guaranty a good Insurance Company?
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At Diversified Insurance Brokers, we help retirees and pre-retirees evaluate insurers for safety, income potential, and product flexibility. Fidelity & Guaranty Life Insurance Company (F&G) is often a strong contender—well known for competitive fixed indexed annuities, reliable guaranteed income options, and innovative features that help protect retirement savings while allowing growth potential.
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About Fidelity & Guaranty Life Insurance Company
Founded in 1959 and headquartered in Des Moines, Iowa, F&G specializes in fixed indexed annuities, fixed rate annuities, and indexed universal life insurance. The company has built a reputation for offering innovative crediting strategies, solid guarantees, and a client-focused approach to retirement income planning.
Popular F&G Products We Recommend Exploring
- Safe Income Advantage Fixed Indexed Annuity
- Guaranteed Lifetime Income Rider options for predictable paychecks you can’t outlive
- Indexed crediting strategies tied to the S&P 500® and other indices
- Long-term care benefits and penalty-free withdrawal features
- Tax-deferred growth for retirement assets
Who F&G May Be Right For
- Retirees seeking guaranteed lifetime income
- Pre-retirees who want market-linked growth with downside protection
- Investors looking to diversify beyond traditional market investments
Why Work With Diversified Insurance Brokers
We work with dozens of top-rated carriers, including Fidelity & Guaranty, to ensure you get the best rates and features for your needs. As independent advisors, our goal is to match you with a solution that aligns with your retirement strategy, not to push any one company’s products.
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Explore how Fidelity & Guaranty can fit into your retirement plan. Use the calculator above or request a custom annuity quote now.
FAQs: Is Fidelity & Guaranty (F&G) a Good Company?
What are F&G’s financial strength ratings?
F&G holds strong ratings across the major rating agencies. A.M. Best rates its insurance subsidiaries as A (Excellent). S&P Global and Fitch both give F&G an A-, and Moody’s assigns it A3, all with stable outlooks.
How long has F&G been in business and who owns it?
Fidelity & Guaranty Life has been operating since 1959. It is a subsidiary of Fidelity National Financial (FNF), which supports its capital strength and investment capability.
What types of products does F&G offer?
They offer a variety of annuity & life insurance products, including fixed indexed annuities, multi-year guaranteed annuities (MYGAs), indexed universal life (IUL), and other accumulation or guarantee options.
How is their customer satisfaction / complaint history?
F&G has an A+ rating with the Better Business Bureau, though there are complaints in certain areas—especially around customer service, policy processing delays, and contract paperwork. Their NAIC Complaint Index is relatively low in many categories, indicating a better compliance record than many competitors.
What are the strengths of choosing F&G?
Strengths include solid financial ratings, long industry experience, strong product offerings in annuities & guarantee products, and backing by a large holding company. Their fixed indexed rates and bonus/feature options can be competitive.
What should I watch out for or consider carefully?
Some drawbacks include complexity in indexed or IUL contract terms, variations in available features or riders by state, and occasional service or claim processing delays noted by users. As with all providers, values and benefits depend on market conditions, interest rates, and the specific product selected.
Disclaimer: Ratings, product availability, features, and customer satisfaction vary by state and over time. This is educational information—not legal, tax, or financial advice.
