Ratings last updated July 30, 2026
Fidelity & Guaranty Life Insurance Company, which markets as F&G, is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of A (Excellent).
AM Best assigns Fidelity & Guaranty Life Insurance Company a financial-strength rating of A, which sits in its "Excellent" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A reflects AM Best's assessment that the company has an excellent ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
F&G lists fixed index annuities (FIAs) on AnnuaLife, its AccumulatorPlus and Accelerator Plus series. These products are covered in our fixed index guide rather than on individual detail pages. Caps below are examples as of July 30, 2026 and vary by state.
| Product | Index | Cap | Participation | Minimum |
|---|---|---|---|---|
| FG AccumulatorPlus 10 | S&P 500 annual pt-to-pt | 20.00% | 55% | $10,000 |
| FG AccumulatorPlus 7 | S&P 500 annual pt-to-pt | 19.75% | 55% | $10,000 |
| FG Accelerator Plus 14 | S&P 500 annual pt-to-pt | 12.25% | 55% | $10,000 |
| FG Accelerator Plus 10 | S&P 500 annual pt-to-pt | 12.00% | 55% | $10,000 |
Fixed index annuities work differently from fixed-rate products. Learn how caps and participation rates shape your return in the fixed index annuity guide.
Sources: F&G, Wikipedia, F&G Annuities & Life, full-year 2025 results. Company facts last checked July 30, 2026.
F&G carries an A ("Excellent") AM Best rating and posts some of the highest index caps on our board, near 20% on its AccumulatorPlus series at the time of writing. A cap that high almost always comes with mechanics that shape the actual credited return, here a 55% participation rate, so the headline number is a ceiling rather than a promise; the fixed index guide explains how caps and participation interact. Pair that with a strong A rating and F&G is a serious FIA option. An advisor can model what a cap and participation rate would realistically credit for your contract.
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