THE BEST DEFENSE IS AN FIA OFFENSE

Transcription

1 THE BEST DEFENSE IS AN FIA OFFENSE See what s new about our strengthened lineup!

2 RETIREMENT. IT S A TOUGH GAME.

3 The opponents your clients may face include outliving their income, inflation and negative market performance. Beating any of these won t be easy, especially when you look at the opposing numbers: $219,000 Cost of two $5 meals served three times a day for 20 years. The basics really do add up (and may keep going up with inflation). 7 in 10 Number of people age 65+ who ll need long-term care. 1 A home health aid alone may cost $29,930 a year. 2 $2.4 trillion Lost from 401(k) and IRA accounts by Americans in As retirement approaches, your clients have less time to recover Medicare & You, National Medicare Handbook, Centers for Medicare & Medicaid Services, September Cost of Care, Costs are based on using a health-aide for 365 days, for four hours a day. Based on average U.S. costs from accounts-more-than-everyone-thought/410791/ With challenges like these, your clients will need to strengthen their retirement game plans. 1

4 THAT S WHY WE MADE AN AWESOME FIA LINEUP EVEN STRONGER! Our three newly-strengthened fixed index annuities Income 150+ SE, Choice Income II and Choice Accumulation II may be the MVPs of your clients game plans and the strongest players in your lineup. Here s what s already great about our FIAs Here s how they re even stronger Down market defense Your clients will never experience any negative market performance. Zip. Zero. Nada. Personalized growth potential With multiple fixed and index-linked interest crediting strategies, your clients can seek growth their way. Because sometimes, winning is personal. Guaranteed lifetime income options Your clients can build a source of income they can t outlive. That s great for the long run. NEW Rising income potential This new option may provide growing income for your clients during retirement. IMPROVED Early income story Clients nearing retirement can benefit from up to six income boosts while they wait to start income. 1 INCREASED Income factors We ve beefed up our competitive income factors to give your clients more income. NEW Help for a healthcare need During a healthcare event, this standard feature can provide more income. NEW Leaving a guaranteed legacy This option gives your clients guaranteed growth for what they ll leave behind. NEW Even more customization We ve added new interest crediting strategies and indices for even more play options for your clients. Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. 2 1 Assuming no withdrawals. That s the view from the blimp. Turn the page to see these plays up close! 3

5 Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. 1 Assuming no withdrawals are made prior to income activation. 2 The benefit expires sooner if the contract value is drawn down to the minimum allowed under the Income Enhancement Benefit, prior to the current year. 3 Maximum issue age of Deferral bonuses are only available prior to income activation. 5 Requires certification by a healthcare professional that two of six Activities of Daily Living cannot be performed. 4

6 THE PLAY STRONG EARLY INCOME PLUS A BOOST IF PLANS CHANGE INCOME 150+ SE Income 150+ offers income growth in sync with your clients changing plans plus it now includes a built-in benefit 3 that can provide more income for a qualifying healthcare need. 5 NEW Six Deferral Bonuses NEW 2x Income For A Healthcare Need INCREASED Income Factors Income 150+ provides five years of guaranteed income growth plus an added boost at year 10 if your client delays taking income 1,4 The Income Enhancement Benefit can provide double income for up to five years during a healthcare need (for no added cost). 2 To help your clients get more income. Please see important disclosures on previous page. 35

7 INCOME 150+ SE THE PLAY-BY-PLAY How the NEW deferral bonus schedule works Your clients get steady, guaranteed growth for their lifetime income during years 1-5 and another kicker at year 10 if their working years go into overtime. 1 For years 2-5, 7.5% annual bonuses kick in % On day 1, a bonus equal to 20% of the premium is credited to the Withdrawal Base. 20% 7.5% 7.5% 7.5% 7.5% Plus If clients wait to start income until year 10, a bonus equal to 150% of the interest the contract value may earn in years 1 through 9 will be added. 1 Initial Premium The deferral bonuses may be just the ticket for your clients who want early guaranteed income growth and some flexibility should their plans change. Years Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. 1 Assuming no withdrawals are made prior to income activation. 6

8 THE PLAY-BY-PLAY How the NEW Income Enhancement Benefit works INCOME 150+ SE For no added cost, this option provides your clients with additional income if they re certified by a healthcare professional as being unable to perform at least two of the six Activities of Daily Living (ADLs): bathing, eating, continence, toileting, dressing and transferring. Up to 5 years of double income if your clients can t perform two ADLs. 1 2x 2x 2x 2x 2x Once the benefit ends, regular lifetime income continues. Getting care can be expensive and could derail income planning. This benefit may help your clients when they re down and is available with single and joint income options. 2 Regular income Double income with the Income Enhancement Benefit 1 The benefit expires sooner if the contract value is drawn down to the minimum allowed under the Income Enhancement Benefit, prior to the current year. 2 The benefit can be used only one time per policy. 37

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10 INCOME 150+ SE THE INCOME SCOREBOARD NEW Increased Lifetime Annual Payments Once income starts, clients can now get a bigger percentage of their Withdrawal Base. Lifetime Withdrawal Percentages Income Age Single Life Joint Life Lifetime Withdrawal Percentage Increase by 0.05% for each attained age between 55 and % 3.40% % 3.65% Lifetime Withdrawal Percentage Increase by 0.10% for each attained age between 60 and % 4.15% % 4.65% % 5.15% % 5.65% % 6.15% Lifetime Withdrawal Percentage Increase by 0.20% for each attained age between 85 and % 7.15% 9

11 10 Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. 1 Requires certification by a healthcare professional that two of six Activities of Daily Living cannot be performed. 2 Roll up or credits are made to the Withdrawal Base which is not available as a death benefit for a surrender. This benefit is included at issue for an annual charge of 1.05% of the Withdrawal Base at the end of each contract year. 3 Percentage shown is of the premium paid, reduced for any withdrawals in proportion to the reduction in contract value. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. 4 For contracts issued prior to age 50, the Deferral Bonus and Withdrawal Base increases will not apply until the first contract anniversary following attainment of age 50 and the benefit fees will not be assessed until the first contract anniversary following attainment of age 50. Upon the contract anniversary following the attainment of age 50, the first Deferral Bonus will be applied and rider fees will be assessed. The Withdrawal Base and Deferral Bonus Base will initialize at the contract value on the contract anniversary prior to 50th birthday. For Joint owned contracts, the youngest owner s age is used. 5 Withdrawal Base increases are a multiple of the dollar amount of interest credits to your account value in a given year. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. After activation, a bonus will not be credited in years where withdrawals exceed the Lifetime Annual Payment (LAP). No bonus will be credited after the Income Phase Bonus Period. The Income Phase Bonus Period is the period during which LAP withdrawals continue to be deducted from the contract value. 6 The benefit expires sooner if the contract value is drawn down to the minimum allowed under the Income Enhancement Benefit, prior to the current year.

12 THE PLAY LIFETIME INCOME CHOICE INCOME II Choice Income now gives your clients two ways to help build lifetime income and get more income in retirement. Plus, it now has the Income Enhancement Benefit for a qualifying healthcare need. 1 10% GUARANTEED GROWTH OR NEW RISING INCOME POTENTIAL NEW 2X INCOME FOR A HEALTHCARE NEED INCREASED INCOME FACTORS OPTION 1: The Guaranteed Income Builder Benefit provides a 10% guaranteed annual roll-up for predictable income growth. 2,3 Please see important disclosures on previous page. OPTION 2: The Income Multiplier Benefit adds 2X contract value interest credits before income starts and 1X after for greater growth potential. 2,4,5 The Income Enhancement Benefit may provide double income for up to five years during a healthcare need (for no added cost). 6 To help your clients get more income. 311

13 THE PLAY-BY-PLAY How the NEW Guaranteed Income Income Multiplier Builder Benefit Benefit works works CHOICE INCOME II With this option, your clients will get a consistent 10% of their initial contract value added to their Withdrawal Base every year. 1,2 10% 12 2 Guarantees Withdrawal are Base based increases on the are claims-paying a multiple of ability the dollar of Forethought amount of interest Life Insurance credits to Company your account and assume value in compliance a given year. with Prior the to product s activating benefit rules, as the applicable. benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. After activation, a bonus will not be credited in years 1 Withdrawal where withdrawals Base is not exceed available the Lifetime as a death Annual benefit Payment or for (LAP). surrender. No bonus will be credited after the Income Phase Bonus Period. The Income Phase Bonus Period is the period during which LAP withdrawals continue to be deducted from the contract value. 2 Percentage shown is of the premium paid, reduced for any withdrawals in proportion to the reduction in contract value. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. 3 FOR Assumes PRODUCER no excess USE withdrawals. ONLY. NOT FOR USE WITH THE PUBLIC.

14 CHOICE INCOME II THE PLAY-BY-PLAY For example, a $100,000 Choice Income purchase would mean $10,000 added each year to the Withdrawal Base for determining future income. 1,2,3 Building income: During this stage, the Withdrawal Base grows by a guaranteed 10% every year before your clients start taking income. 1,2,3 10k 10% 10k 10k 10k 10k Taking income: After income starts, both the Withdrawal Base and your clients annual income are locked in for life. 3 Year Withdrawal Base Income activation Please see important disclosures on previous page. 13

15 THE PLAY-BY-PLAY How the NEW Income Multiplier Benefit works With this option, your client s income has the potential to keep growing during retirement. 1,2,3 CHOICE INCOME II 2x 1x Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. 1 Withdrawal Base is not available as a death benefit or for surrender. 14

16 CHOICE INCOME II THE PLAY-BY-PLAY 1x Building income: During this stage, 2X any interest credits that are earned are added to the Withdrawal Base for lifetime income. 2,3 2x Taking income: After income starts, 1X any interest credits the contract value earns are added to the Withdrawal Base to increase your clients income (if no credits, income stays level). 3 Year Interest credits Withdrawal Base Income activation 2 For contracts issued prior to age 50, the Deferral Bonus and Withdrawal Base increases will not apply until the first contract anniversary following attainment of age 50 and the benefit fees will not be assessed until the first contract anniversary following attainment of age 50. Upon the contract anniversary following the attainment of age 50, the first Deferral Bonus will be applied and rider fees will be assessed. The Withdrawal Base and Deferral Bonus Base will initialize at the contract value on the contract anniversary prior to 50th birthday. For Joint owned contracts, the youngest owner s age is used. 3 Withdrawal Base increases are a multiple of the dollar amount of interest credits to your account value in a given year. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs. After activation, a bonus will not be credited in years where withdrawals exceed the Lifetime Annual Payment (LAP). No bonus will be credited after the Income Phase Bonus Period. The Income Phase Bonus Period is the period during which LAP withdrawals continue to be deducted from the contract value. Please see important disclosures on previous page. 15

17 THE PLAY-BY-PLAY How the NEW Income Enhancement Benefit works CHOICE INCOME II For no added cost, this option provides your clients with additional income if they re certified by a healthcare professional as being unable to perform at least two of the six Activities of Daily Living (ADLs): bathing, eating, continence, toileting, dressing and transferring. Up to 5 years of double income if your clients can t perform two ADLs. 1 2x 2x 2x 2x 2x Once the benefit ends, regular lifetime income continues. Getting care can be expensive and could derail income planning. This benefit may help your clients when they re down and is available with single and joint income options. 2 Regular income Double income with the Income Enhancement Benefit 1 The benefit expires sooner if the contract value is drawn down to the minimum allowed under the Income Enhancement Benefit, prior to the current year. 2 The benefit can be used only one time per policy. 16

18 CHOICE INCOME II THE INCOME SCOREBOARD NEW Increased Lifetime Annual Payments Whether your clients want guaranteed growth or greater growth potential for their Withdrawal Base, they can now get a bigger percentage of it every year once income starts. Lifetime Withdrawal Percentages Income Age Single Life Joint Life % 3.25% % 3.75% % 4.25% % 4.75% % 5.25% % 5.75% % 6.25% % 6.75% 17

19 . Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. 1 Less prior withdrawals, prior optional benefit rider charges, less withdrawal charges and Market Value Adjustments (MVA) on any prior withdrawals Early withdrawal charges and Market Value Adjustments (MVA) may also apply. Withdrawals may reduce any optional guaranteed amounts in an amount more than the amount of the withdrawal. 3 The optional Enhanced Death Benefit is available at an annual cost of 0.50%, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit is comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. Required Minimum Distributions (RMD) withdrawals will reduce on a dollar for dollar basis, all other withdrawals will be proportional. A minimum issue age of 0 and maximum age of 75 applies.

20 THE PLAY GROWTH WITH ZERO DOWN MARKET RISK CHOICE ACCUMULATION II With upside opportunity, downside market protection and new Enhanced Death Benefit option, Choice Accumulation offers your clients more ways to play the game. NO FEES NO MARKET- BASED LOSSES NEW ENHANCED DEATH BENEFIT No monthly or annual fees for the base product. 100% of the premium is credited to the contract value. 1 Regardless of crediting strategies or market performance, your clients won t experience any market-based losses. 2 This option provides guaranteed 7% growth for 15 years to help maximize legacy planning. 3 Please see important disclosures on previous page. 19

21 CHOICE ACCUMULATION II How the teamwork between growth potential and downside market protection works Fixed Index Annuities lock in any positive gains after every crediting period. If the index the crediting strategy is linked to has a negative performance for any crediting period, your clients simply receive zero interest credits for that strategy term. Here s a hypothetical example. $400,000 $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 FIA with reset $0 S&P /31/99 12/31/00 12/31/01 12/31/02 12/31/03 12/31/04 12/31/05 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 12/31/11 12/31/12 12/31/13 12/31/14 12/31/15 12/31/16 12/31/17 20 This chart assumes no fees, charges, or withdrawals are taken from the FIA during the illustrated period. Index past performance is not indicative of future results. The hypothetical performance of the, as illustrated, assumes a $200,000 premium, a cap of 6% (using the One-Year Point-to-Point with Cap crediting method) and assumes no withdrawals or surrender charges during period shown. This hypothetical example is for illustrative purposes only and not intended to be the performance of any specific product.

22 THE PLAY-BY-PLAY How the NEW Enhanced Death Benefit works CHOICE ACCUMULATION II The optional Enhanced Death Benefit (EDB) helps your clients build a legacy that s guaranteed. Initially, like the contract value, the EDB figure is equal to the original Choice Accumulation premium. But the EDB grows by a guaranteed 7% every year for up to 15 years reduced by any withdrawals. 1 7% for 15 years After your client passes, the beneficiary gets either the EDB or the contract value as a death benefit whichever is greater. Year Enhanced Death Benefit Contract Value Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. 1 The optional Enhanced Death Benefit is available at an annual cost of 0.50%, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit is comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. Required Minimum Distributions (RMD) withdrawals will reduce on a dollar for dollar basis, all other withdrawals will be proportional. A minimum issue age of 0 and maximum age of 75 applies. Should your client die before the 15 year contract anniversary, the EDB will stop growing. 21

23 BUILD EVEN MORE CUSTOM PLAYS FOR YOUR CLIENTS No two clients are the same. That s why we ve added more indices and interest crediting methods to help you further customize their retirement game plans. Since it s nice to have a back-up play, we ve added a Bailout provision to every crediting strategy (certain conditions apply). One-year annual point-to-point with cap S&P 500 Index NEW MSCI EAFE Index NEW Russell 2000 Index One-year monthly point-to-point with cap S&P 500 Index Two-year point-topoint with spread BlackRock Diversa TM Volatility Control Index 1 NEW Franklin US Index NEW One-year point-to-point with participation rate NEW PIMCO Balanced Index NEW One-year point-to-point with performance trigger S&P 500 Index One-year fixed rate 1 Formally know as BlackRock ibld Diversa TM VC7 ER Index 22 23

24 ADD GLOBAL ATLANTIC TO YOUR LINEUP We re the fastest growing annuity company over the past five years 1 and are putting up some big numbers: TOP 3 TOP 5 TOP 10 We re a top 3 fixed rate annuity provider. 2 We re also a top 5 fixed annuity provider. 2 And we re a top 10 annuity provider overall. 2 Ready to strengthen your clients game plans? Contact our sales desk at (855) , option 1 Go to 1 Based on LIMRA reports for companies with more than $300 million in annual sales, LIMRA reports, as of March 31, Applies to Forethought Life Insurance Company. 24

25 The S&P 500 Index is a product of S&P Dow Jones Indices LLC ( SPDJI ) and has been licensed for use by Forethought Life Insurance Company. Standard & Poor s, S&P and S&P 500 are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Forethought Life Insurance Company. Forethought Fixed Index Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P or any of their respective affiliates (collectively, S&P Dow Jones Indices ). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the Forethought Fixed Index Annuity or any member of the public regarding the advisability of investing in securities generally or in Forethought Fixed Index Annuity particularly or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices only relationship to Forethought Life Insurance Company with respect to the S&P 500 Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to Forethought Life Insurance Company or the Forethought Fixed Index Annuity. S&P Dow Jones Indices have no obligation to take the needs of Forethought Life Insurance Company or the owners of Forethought Fixed Index Annuity into consideration in determining, composing or calculating the S&P 500 Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of Forethought Fixed Index Annuity or the timing of the issuance or sale of Forethought Fixed Index Annuity or in the determination or calculation of the equation by which Forethought Fixed Index Annuity is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of Forethought Fixed Index Annuity. There is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to Forethought Fixed Index Annuity currently being issued by Forethought Life Insurance Company, but which may be similar to and competitive with Forethought Fixed Index Annuity. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the S&P 500 Index. S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES IN- DICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY FORETHOUGHT LIFE INSURANCE COMPANY, OWNERS OF THE FORETHOUGHT FIXED INDEX ANNUITY, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND FORETHOUGHT LIFE INSURANCE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES BlackRock, Inc. and its affiliates ( BlackRock ) is not the issuer or producer of any annuity product associated with Forethought Life Insurance Company and BlackRock has no responsibilities, obligations or duties to investors in such products. The BlackRock ibld DiversaTM VC7 ER Index is a product of BlackRock Index Services, LLC and has been licensed for use by Forethought Life Insurance Company. BLACKROCK, BlackRock ibld DiversaTM VC7 ER Index, and the corresponding logos are registered and unregistered trademarks of BlackRock. While Forethought Life Insurance Company may for itself execute transactions with BlackRock in or relating to the BlackRock ibld DiversaTM VC7 ER Index in connection with its annuity products investors acquire all such annuity products from Forethought Life Insurance Company and neither acquire any interest in the BlackRock ibld DiversaTM VC7 ER Index nor enter into any relationship of any kind with BlackRock upon investing in such products. Forethought annuity products are not sponsored, endorsed, sold or promoted by BlackRock. BlackRock makes no representation or warranty, express or implied, to the owners of any Forethought annuity product or any member of the public regarding the advisability of investing in such products nor does it have any liability for any errors, omissions or interruptions of the BlackRock ibld DiversaTM VC7 ER Index. BlackRock shall not be liable in any way to the issuer, investors, or any other party in respect of the use or accuracy of the BlackRock ibld DiversaTM VC7 ER Index or any data included therein. The products or securities referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities or any index on which such products or securities are based. The Contract contains a more detailed description of the limited relationship MSCI has with Forethought Life Insurance Company and any related products. Frank Russell Company ( Russell ) is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell is a trademark of Frank Russell Company. Neither Russell nor its licensors accept any liability for any errors or omissions in the Russell Indexes and / or Russell ratings or underlying data and no party may rely on any Russell Indexes and / or Russell ratings and / or underlying data contained in this communication. No further distribution of Russell Data is permitted without Russell s express written consent. Russell does not promote, sponsor or endorse the content of this communication. The Russell 2000 Index (the Index ) is a trademark of Frank Russell Company ( Russell ) and have been licensed for use by Forethought Life Insurance Company. Forethought Fixed Index Annuity is/ are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies ( LSEG ) (together the Licensor Parties ) and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index (upon which Forethought Fixed Index Annuity is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with Forethought Fixed Index Annuity. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Forethought Life Insurance Company or to its clients. The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein. The PIMCO Balanced Index (the Index ) is a dynamic equity and bond index, offering exposure to U.S. equity and fixed income markets. The Index is a trademark of Pacific Investment Management Company LLC ( PIMCO ) and has been licensed for use by Forethought Life Insurance Company in connection with Forethought Fixed Index Annuity. The Index is the exclusive property of PIMCO and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of Forethought Life Insurance Company, Forethought Fixed Index Annuity, or owners of the Forethought Fixed Index Annuity. The Forethought Fixed Index Annuity is not sold, sponsored, endorsed or promoted by PIMCO or any other party involved in, or related to, making or compiling the Index. PIMCO does not provide investment advice to Forethought Life Insurance Company with respect to the Forethought Fixed Index Annuity or to owners of the Forethought Fixed Index Annuity. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to Forethought Life Insurance Company with respect to the Forethought Fixed Index Annuity. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or the Forethought Fixed Index Annuity particularly. The Licensed PIMCO Index is comprised of a number of constituents, some of which are owned by entities other than PIMCO. The Licensed PIMCO Indices rely on a variety of publically available data and information and licensable equity and fixed income sub-indices. All disclaimers referenced in the Agreement relative to PIMCO also apply separately to those entities that are owners of the constituents of the Licensed PIMCO Indices. SPDR S&P 500 ETF Trust (SPY ETF) is a constituent of the PIMCO Balanced Index. S&P and SPDR are registered trademarks of Standard & Poor s Financial Services LLC (S&P), the ETF Trademark Owner. The PIMCO Balanced Index is not sponsored, endorsed, sold, or promoted by the ETF Trademark Owner. The ETF Trademark Owner makes no representations or warranties to the owners of products utilizing the PIMCO Balanced Index or any member of the public regarding the advisability of purchasing a product utilizing the PIMCO Balanced Index. The ETF Trademark Owner has no obligation or liability in connection with the operation, marketing, trading or sale of the PIMCO Balanced Index. The Franklin US Index (the Index ) is owned by Franklin Templeton Investments ( Franklin ), is calculated and maintained by S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices, LLC) and is licensed for use by Forethought Life Insurance Company ( Forethought ). The Index is not sponsored by S&P Dow Jones Indices, their affiliates or their third party licensors (collectively, S&P Dow Jones Indices ). Franklin and S&P Dow Jones Indices (collectively, Index Parties ) will not be liable for any errors, omissions or interruptions in calculating the Index. The Index Parties make no representations or warranties, express or implied and shall have no liability with respect to the adequacy, accuracy, timeliness and/or completeness of the Index. Forethought s products based on the Index are not sponsored, endorsed, sold or promoted by the Index Parties and the Index Parties have no responsibilities, obligations or duties to purchasers of such products. Franklin Templeton, Franklin, Franklin US Index, and the corresponding logos are trademarks of Franklin. S&P is a registered trademark of Standard & Poor s Financial Services LLC, and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC.

26 This material is intended to provide educational information regarding the features and mechanics of the products and is intended for producer use only. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It s not acting in any fiduciary capacity with respect to any contract and/or investment. Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. Choice Income II is issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. Choice Income is available with Contract FA1801SPDA-01 and ICC17-FA1801SPDA-01 and rider forms FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA v2, ICC17-FA , FA v2, ICC17-FA , FA , ICC17-FA , ICC14-FL-FIANC, FL-FIANC-13, ICC14-FL-FIATI and FL-FIATI-13. Choice Accumulation II is issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. Choice Accumulation is available with Contract FA1801SPDA-01 and ICC17-FA1801SPDA-01 and rider forms FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA v2, ICC17-FA , FA v2, ICC17-FA , ICC14-FL-FIANC, FL-FIANC-13, ICC14-FL-FIATI and FL-FIATI-13. Income 150+ SE is issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. Income 150+ is available in most states with Contract FA1801SPDA-01 and ICC17-FA1801SPDA-01 and rider forms FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17-FA , FA , ICC17- FA , FA , ICC17-FA , FA v2, ICC17-FA , FA , ICC17-FA , ICC14-FL-FIANC, FL-FIANC-13, ICC14-FL-FIATI and FL-FIATI-13. Products and features are subject to state availability and variations. Read the Contract for complete details. Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. FIA1319 (08-18) Global Atlantic