Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product's benefit rules, as applicable.
1Credits are made to the Withdrawal Base which is not available for cash surrender or as a death benefit.
2Percentage shown is of the premium paid, reduced for any withdrawals in proportion to the reduction in contract value and applies to the Withdrawal Base only. Prior to activating the benefit, a Deferral Bonus will not be credited in years where a withdrawal occurs.
3Withdrawal 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.
4Early 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.
5For 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.