Do your clients desire more upside potential with some downside protection?
Confidence Builder offers:
- 5 index options and 4 crediting methods
- 500% cap
- 10% or 20% buffer
F&G Confidence Builder®
Registered Index-Linked Annuity (RILA)
Giving your clients the confidence they need to achieve their retirement dreams
New to RILAs?
Confidence Builder is a great way to start because it...
- Is easier to explain and easier for your clients to understand with a "less is more" approach to product design, compared to other RILAs in the market
- Maximizes distribution of return potential with a "best of" crediting strategy with the innovative Hindsight 20/20®
- Streamlines decision making with an improved likelihood that a client moves forward and stays the course
RILA Terminology
The indexed interest crediting strategies are linked to a market index, but the client is not investing directly in the stock market or any index. The indexed interest crediting strategies are subject to caps, performance triggers, participation rates and/or buffers.
Caps
The maximum rate of interest that can be earned during a crediting period
Participation rates
The percentage of the index's increase that can be earned during a crediting period
Performance trigger with declared rate
The interest credited if the index is positive during the crediting period
Buffer
Losses absorbed by the insurance company up to the stated percentage
Confidence Builder:
Upside potential and downside protection for all types of risk tolerance
Finding the right option for your client isn’t always easy. They want growth but they don't want or have to recover from significant market losses. What if there was a way to provide upside potential while also limiting downside?
F&G Confidence Builder® RILA may be a solution to give those clients the confidence they need on the road to retirement.
Upside growth potential with buffered downside protection
Guaranteed annual cap rates with the annual lock feature
The benefit of hindsight with the Hindsight 20/20® "best of" crediting strategy
Positioning RILA with Confidence
Clients may have varying levels of risk tolerance but one thing they all have in common is the need for more growth. Confidence Builder can facilitate that upside potential in different ways for clients with differing levels of risk tolerance.
Our Positioning RILA with Confidence Series highlights how Confidence Builder can help position those clients along the risk tolerance spectrum for success on the way to retirement. Further explore these features and videos demonstrating how you can talk to your clients about Confidence Builder by clicking through the tabs below.
More aggressive
Maximizing Upside Potential
Conservative
Annual Lock
Do your conservative clients desire to lock in today's guaranteed annual cap rate for 6 years with our unique annual lock feature?
Confidence Builder's Annual lock feature offers:
- Guaranteed cap for 6 years
- 10% buffer
- Annual cap rate and 10% buffer tracked yearly and credited to the account at the end of the 6-year term
More conservative
Hindsight 20/20® "Best of Strategy"
Have clients who don't want to guess which way the market will go? Confidence Builder's Hindsight 20/20® "best of" crediting strategy gives clients the best performance of 3 distinct indexes - Growth, Moderate and Defensive - at the end of a 6 year period.
Hindsight 20/20® offers:
- Best of 3 multi-asset indexes - no need to choose
- 10% buffer
- Automatically credits performance of the best performing index
Hindsight 20/20® Resource Center
When ready to retire, if your clients could look back at their investments and choose the one that did the best, they would likely choose that option. Why wouldn't they?
Hindsight 20/20® seeks to take the guesswork out of trying to predict which index will perform the best.
What is Hindsight 20/20®?
Comprised of three distinct diversified BofA MP indexes inspired by model portfolios and designed for different market environments - Growth, Balanced and Defensive - the strategy automatically credits the "best of" performance at the end of the 6-year crediting period - after seeing how they've performed.
The BofA MP indexes are comprised of 4 well known asset classes.
Large-cap U.S. equities (SPY)
High-yield corporate bonds (HYG)
Gold (GLD)
7- to 10-year U.S. treasuries (IEF)
BofA MP Growth Index
75%
15%
5%
5%
BofA MP Balanced Index
60%
20%
10%
10%
BofA MP Defensive Index
40%
20%
20%
20%
Hindsight 20/20® "Best of" Crediting Strategy
Want to learn more about the BofA MP indexes?
RILA in Action
Take a look at some of the ways that Confidence Builder has protected clients from losses over time.
S&P 500® Index
Jan. 1957 - Dec. 2024
| 1-Year | 3-Year | 6-Year | |
| 10% Buffer | 87.06% | 88.97% | 94.89% |
| 20% Buffer | 95.65% | 93.21% | 99.19% |
Example 1:
If a client chose the 6-year S&P 500® option with a 10% buffer, they would have been protected from market losses 94.89% of the time.
That means they would have only experienced a decline in account value 5.11% of the time due to the buffer protecting the first 10% of their losses.
Hindsight 20/20®
Apr. 2007 - Dec. 2024
| 6-Year | |
| 10% Buffer | 100% |
| 20% Buffer | - |
Example 2:
If a client chose the 6-year Hindsight 20/20® option with a 10% buffer, they would have been protected from market losses 100% of the time.
They would not have experienced a decline in their account value due to the buffer protecting the first 10% of their losses.
Explore how these and other indexes have performed over time:
Source: Bloomberg as of January 2025 Charts reflect historical 1-, 3- and 6-year returns. Rolling end of month periods from the index inception date to 12/31/2024. If date lands on non-business day, index value as of next available business day is used. Assumes no cap or participation rates.
Additional Resources
Learn more about F&G
Need help logging into SalesLink®?
Getting started with F&G
Contact our team
Looking to talk with a member of our team?
Contact us at:
866.477.7938 or AnnuityDesk@fglife.com
For financial professional use only. Not for use with the general public.
ADV4659
25-0930
25-0930
“F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
F&G Securities, LLC. “FGSL” is a broker-dealer and affiliate of F&G and is a member of FINRA and distributes this product.
Registered Index-linked Annuities are long-term, tax-deferred vehicles designed for retirement purposes and are not for everyone. They are subject to possible loss of principal and earnings due to market fluctuation, investment risks as a result of fees and charges under the policy including surrender charges, other transaction charges, and periodic charges.
This contract is designed primarily for investors who expect to remain invested in an allocation account until the end of its crediting period and may be appropriate if they have a long investment time horizon. The contract is not designed for people who expect to take early or frequent withdrawals.
The provisions, riders and optional additional features of this product have limitations and restrictions, may have additional charges, and are subject to change. Contracts are subject to state availability, and certain restrictions may apply. See the prospectus for details.
This broker-dealer reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs. The visuals shown are for illustrative purposes only and do not guarantee success or certain level of performance. This material contains projections, forecasts, estimates, beliefs and similar information (“forward looking information”). Forward looking information is subject to inherent uncertainties and qualifications and is based on numerous assumptions, in each case whether or not identified herein.
All references to guarantees, including the benefit payment obligations, arising under the annuity contract guarantees, any index strategy crediting or annuity payout rates are backed by the claims-paying ability of F&G. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its affiliates.
This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. This information is not intended as investment advice and is not a recommendation about managing or investing retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional.
The examples are hypothetical, non-guaranteed and is not an indication of the policy's and/or interest crediting option's past or future performance.
The “S&P 500 Index” is a product of S&P Dow Jones Indexes LLC, a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by Fidelity & Guaranty Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Fidelity & Guaranty Life Insurance Company. These annuity 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.
BofA Securities Inc. and its Affiliates (“BofAS” or “Licensor”), BofA MP Indices (the “Indices” and each, an “Index”) and related information, the name “BofAS”, and related trademarks, are intellectual property of BofAS, licensed from BofAS to Fidelity & Guaranty Life Insurance Company (“Licensee”). Neither the Licensee nor any annuity product (“Product”) referencing the Indices is sponsored, operated, endorsed, sold or promoted by BofAS. Obligations to make payments under any Product are solely the obligation of Licensee pursuant to the term of the contract between Licensee and you, and are not the responsibility of BofAS. BofAS, the Indices and related information, the name of Licensor, and related trademarks may not be copied, used, or distributed without BofAS’s prior written approval. The Products have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by BofAS. BofAS’s only relationship to Licensee is the licensing of certain trademarks and trade names and the Indices or components thereof and certain hedging arrangements between BofAS and the Licensee or its Affiliates and BofAS is not a party to any transaction contemplated herein. BOFAS MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO THE INDICES, ANY RELATED INFORMATION, THE TRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, THEIR QUALITY, ACCURACY, SUITABILITY AND/OR COMPLETENESS).
