The conservative strategy prioritizes stability, allocating funds to the fixed account and capped S&P 500 index options to minimize zero-credit years and support cash value growth.
Call out: This mix has historically provided consistent returns, even in market downturns, due to the fixed account’s guaranteed rate and low cost of insurance impact.
Disclaimer: Rates are based on data effective May 15, 2025, and subject to change. Historical performance uses index proxies and may not reflect actual results. Verify with F&G Life for current rates and policy details.
Moderate Strategy
Historical Performance (2012–2023)
Year
Raw Return
Credited Return
Average
The moderate strategy balances growth and stability, using a mix of fixed and index options for moderate upside potential while managing cost of insurance.
Call out: This approach has historically captured market gains while maintaining some protection through the fixed account, supporting steady cash value accumulation.
Disclaimer: Rates are based on data effective May 15, 2025, and subject to change. Historical performance uses index proxies and may not reflect actual results. Verify with F&G Life for current rates and policy details.
Aggressive Strategy
Historical Performance (2012–2023)
Year
Raw Return
Credited Return
Average
The aggressive strategy maximizes cash value growth by allocating to high-participation index options, accepting higher risk for potential higher returns.
Call out: This mix has historically delivered strong returns in bullish markets, leveraging high participation rates, but may experience zero credits in downturns.
Disclaimer: Rates are based on data effective May 15, 2025, and subject to change. Historical performance uses index proxies and may not reflect actual results. Verify with F&G Life for current rates and policy details.
Custom Strategy
Historical Performance (2012–2023)
Year
Raw Return
Credited Return
Average
The custom strategy allows you to define your own allocation across index options, balancing risk and reward based on your preferences.
Call out: Historical performance reflects your chosen allocations, with potential for high returns or stability based on your selections.
Disclaimer: Rates are based on data effective May 15, 2025, and subject to change. Historical performance uses index proxies and may not reflect actual results. Verify with F&G Life for current rates and policy details.
Disclaimer: This tool is for illustrative purposes only. Rates are based on data effective May 15, 2025, and subject to change. Historical performance uses index proxies and does not guarantee future results. Contact F&G Life for current rates and policy details at www.fglife.com.