One-Year Point-to-Point Interest Crediting Strategy

S&P 500 Index One-Year Point-to-Point Interest Crediting Strategy For fixed index annuities A fixed index annuity (FIA) may be part of an appropriate strategy to help you retire on your own terms. FIAs provide the ability to receive interest credit based, in part, on the performance of an index and provide protection against market-based losses. When considering a fixed index annuity, it is important to evaluate the product s available interest crediting strategies, such as the S&P 500 Index, and to determine which strategy or combination of strategies works best for your specific retirement goals. What is S&P? Standard & Poor s (S&P) has been providing indices and credit ratings for more than 150 years. Its indices are relied upon by investors of all types to gauge the overall health of financial markets. The S&P U.S. Indices are a family of equity indices designed to measure the market performance of U.S. stocks trading on U.S. exchanges. The family is composed of a wide range of Dow Jones U.S. equity indices based on size sector and style. The S&P 500 Index (Large Cap), S&P MidCap 400 Index and S&P SmallCap 600 Index together comprise the S&P Composite 1500. S&P 500 Index The S&P 500 Index provides equity exposure to large-cap U.S. companies (generally those with a market cap of $6.1 billion or greater) for portfolio diversification. It is considered one of the most common benchmarks for the broader U.S. equity markets. It is a market-cap-weighted index of the 500 largest publicly traded companies in the U.S. by market value. However, it is also a floatweighted index, which means company market capitalizations are adjusted by the number of shares available for public trading. Additional considerations when purchasing an FIA: Fixed index annuities are typically meant for long-term savings purposes. They are insurance contracts, not registered securities or stock market investments. You are never invested in the index itself. Interest is credited based on the performance of the index and the criteria outlined in the index crediting strategy. The S&P 500 Index was created in 1957 and was the first U.S. stock market index based on market capitalization. Today, there are more than $2.2 trillion in assets associated with the index and more than $7.8 trillion benchmarked to the index, capturing 80% of total available market capitalization. FIA1281 (08-18) 2207436.1 2018 Global Atlantic

S&P 500 The S&P 500 one-year point-topoint strategy with either a cap or performance trigger credits interest to a fixed index annuity contract value at the end of each strategy term. You do not invest directly in the index. What is a cap? The cap is the highest rate of interest that will be credited to a fixed index annuity for the strategy term. Caps are declared in advance and guaranteed for the oneyear strategy term, but may change for future strategy terms. Caps will never be less than the Minimum Guaranteed Annual Index Cap described in the contract. What is a trigger rate? The trigger rate is an interest rate that is established at the start of the interest crediting period and credited as long as the Index return is positive. Trigger Rates are declared in advance and guaranteed for the one-year strategy term, but may change for future strategy terms. Trigger rates will never be less than the Minimum Guaranteed Annual Trigger Rate described in the contract. FIA1281 3

How the S&P 500 Index Works In order to be included in the S&P 500 Index, companies have to be listed on a U.S. stock exchange. At least 50% of a company s shares must be available for trading in order for it to be included in the index. These must be highly tradable common stocks. Also, the companies must have positive earnings reported over the most recent four quarters when added together. The S&P 500 Index is rebalanced on a quarterly basis in March, June, September and December. The S&P U.S. Indices are maintained by the U.S. Index Committee, which consists of full-time professional members of S&P Dow Jones Indices staff. The committee meets monthly. At each meeting, the Index Committee reviews pending corporate actions that may affect companies included in the S&P 500 Index, statistics comparing the index to the market, companies that are being considered as candidates for addition to the index and any significant market events. Some of the top-weighted companies included in the S&P 500 Index are: Apple, Microsoft, Amazon, Facebook, Berkshire Hathaway, JP Morgan Chase, Exxon Mobil, Alphabet (Google parent) and Johnson & Johnson, just to name a few. The top sectors included in the S&P 500 Index are information technology, financials, health care and consumer discretionary (which includes companies like Amazon) and energy. FIA1259

Historical performance of the S&P 500 Index and hypothetical performance of fixed index annuity interest crediting strategies The below chart illustrates the last 10 years of historical returns of the S&P 500 Index and how an FIA product with the S&P 500 One-Year Point-to-Point with Cap and One-Year Point-to-Point with Performance Trigger would have performed. Fixed Index Annuity Interest Crediting Strategy Return Years S&P One-Year Actual Return One-Year Point-to-Point with Cap at 6% 1 One-Year Point-to-Point with Performance Trigger at 5% 2008-38.50% 0.00% 0.00% 2009 23.50% 6.00% 5.00% 2010 12.80% 6.00% 5.00% 2011 0.00% 0.00% 0.00% 2012 13.40% 6.00% 5.00% 2013 29.60% 6.00% 5.00% 2014 11.40% 6.00% 5.00% 2015-0.70% 0.00% 0.00% 2016 9.50% 6.00% 5.00% 2017 19.40% 6.00% 5.00% Past performance is not indicative of future results. When Index performance is negative for any one-year period, Forethought fixed index annuity interest credit will be 0.00%. 1 Interest will be capped at 6.00% if the Index returns exceed 6.00%. The chart shows historical performance of the S&P 500 Index based on annualized calendar year performance for the time period from 1/1/2008 through 12/31/2017. Different purchase dates will result in different index returns. The Fixed Index Annuity interest crediting strategy return results reflect the interest that Forethought would have credited for a hypothetical fixed index annuity product with the applicable cap or performance trigger for the time period indicated. The cap rates are not guaranteed and are subject to a 1% minimum for the One-Year Point-to-Point with Cap crediting strategy based on the S&P 500 Index. The trigger rates are not guaranteed and are subject to a 1% minimum for the One-Year Point-to-Point with Performance Trigger crediting strategy based on the S&P 500 Index. 2

Global Atlantic Financial Group Global Atlantic Financial Group, through its subsidiaries, offers a broad range of retirement, life and reinsurance products designed to help our customers address financial challenges with confidence. A variety of options help Americans customize a strategy to fulfill their protection, accumulation, income, wealth transfer and end-oflife needs. Global Atlantic was founded at Goldman Sachs in 2004 and separated as an independent company in 2013. Its success is driven by a unique heritage that combines deep product and distribution knowledge with leading investment and risk management, alongside a strong financial foundation.

globalatlantic.com This material is intended to provide educational information regarding the features and mechanics of the product and is intended for use with the general public. 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. This brochure must be preceded or accompanied by the applicable fixed index annuity product brochure and interest crediting strategy flyer. Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. Strategy availability may vary by state and firm. A fixed index annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed index annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments or index. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult a tax or legal counsel for advice. Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals may reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal. If you are investing in a fixed index annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a fixed index annuity. Under these circumstances, you should only consider buying a fixed index annuity if it makes sense because of the annuity s other features, such as lifetime income payments and death benefit protection. The S&P 500 Index is a product of S&P Dow Jones Indices LLC or its affiliates ( SPDJI ) and has been licensed for use by Forethought Life Insurance Company. Standard & Poor s and S&P 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 sublicenses for certain purposes by Forethought Life Insurance Company. Forethought Life Insurance Company s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. Indices are not available for direct investment. Rider form FA4101-01, ICC17-FA4101-01, FA4107-01 and ICC17-FA4107-01. Fixed index annuities are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. 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. Not a bank deposit Not FDIC/NCUA Insured Not insured by any federal government agency No bank guarantee May lose value Not a condition of any banking activity FIA1281 (08-18) 2207436.1 2018 Global Atlantic