Index Insights

Before you diversify, it helps to understand the building blocks—our indexes.

ETFs vs. Indexes—What's the Difference?

ETF icon

ETFs

  • ☑Basket of investments
  • ☑Investment vehicle to track index
  • ☑Price fluctuation in real-time
ETF icon

Index

  • ☑Securities
  • ☑Measures market performance
  • ☑Price calculated periodically

F&G Options Portfolio by Index

S&P 500®

A familiar, traditional equity index.

ETFs

Linked to BlackRock iShares ETFs.

Volatility Control Indexes

Proprietary indexes designed to manage risk and smooth returns.

Other

Fixed Interest and Gold Commodity Options.

Indexes and crediting methods

Learn more about diversification and browse the index/crediting method catalog.

NEW!

Dive into: The Importance of Volatility Control Indexes

What are volatility control indexes?

“Indexes that automatically adjust risk to help smooth returns and create more consistent growth opportunities.”

How they work

Think of this gauge as a way to measure how bumpy the market is. On the left side, the green zone, the market is calm — volatility is low. On the right side, the red zone, the market is stormy — volatility is high.

Click between high and low volatility to move the guage.

When volatility is LOW

Increase equity exposure with a goal of enhancing returns (May use leverage to capture more upside).

The goal isn’t to beat the market every year, but to smooth out the ride — fewer big drops, fewer “zero” years, and more consistent results over time. That consistency helps clients feel more confident and makes your annual reviews easier.

Why they matter to you and your clients

Smoother returns

Client confidence

Competitive edge

See Diversification in Action

Explore some of the possibilities for diversification within an F&G FIA.

S&P 500 Index

Balanced Asset 5 Index

Balanced Asset 10 Index

BlackRock Market Advantage Index

GS Global Factor Index

Morgan Stanley US Equity Allocator Index

Available on:

  • Accelerator Plus®,
  • F&G 1-2-3®,
  • FG AccumulatorPlus®,
  • F&G Flex Accumulator®,
  • Performance Pro®,
  • Prosperity Elite®,
  • F&G Safe Income Advantage®

Average Annual Return: 5.43%

% of years with positive interest credits: 70%

Available on:

  • Accelerator Plus®,
  • F&G 1-2-3®,
  • F&G Safe Income Advantage®,
  • Performance Pro®,
  • Prosperity Elite®
  •  

Average Annual Return: 6.43%

% of years with positive interest credits: 70%

Available on:

  • Accelerator Plus®,
  • F&G 1-2-3®,
  • F&G Power Accumulator®
  •  

Average Annual Return: 8.94%

% of years with positive interest credits: 70%

Available on:

  • Accelerator Plus®,
  • F&G 1-2-3®,
  • F&G Safe Income Advantage®,
  • F&G Flex Accumulator®,
  • Performance Pro®

Average Annual Return: 5.66%

% of years with positive interest credits: 70%

Available on:

  • Accelerator Plus®,
  • F&G 1-2-3®,
  • F&G Safe Income Advantage®
  • F&G Power Accumulator®,
  • Performance Pro®

Average Annual Return: 6.67%

% of years with positive interest credits: 70%

Available on:

  • Accelerator Plus®,
  • Performance Pro®

Average Annual Return: 6.30%

% of years with positive interest credits: 80%

Available on:

  • Accelerator Plus®,
  • Performance Pro®

Average Annual Return: 6.80%

% of years with positive interest credits: 80%

Available on:

  • Accelerator Plus®,
  • F&G 1-2-3®
  •  

Average Annual Return: 7.33%

% of years with positive interest credits: 70%

These charts are for illustrative purposes only and do not represent the actual performance of product-specific indexed interest crediting options. Performance for the GS Global Factor Index (before May 2021), the Balanced Asset 5 Index (before June 2020), the Balanced Asset 10 Index (before August 2019), the BlackRock Market Advantage Index (before January 2023) and the Morgan Stanley US Equity Allocator Index (before November 2023) is simulated. Historical performance is not predictive of actual future results. These charts assume a contract is purchased annually on 12/31/2014 for one year indexed interest crediting options. Actual purchase dates are available four times each month. Index credit is the average return through the duration of the crediting period. Cap, Participation, and Spread rates effective April 8, 2025 were used for all index crediting dates. Data for chart: December 31, 2014 – December 31, 2024.
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Build Your Client's Scenario

Ready to see diversification in action?

Take the next step and show clients how a customized mix of index options can help create a more resilient portfolio. Use our illustration system to design personalized scenarios and bring the power of diversification to life.

Questions?

Contact our sales team at 866.477.7932 or salesdesk@fglife.com.

For financial professional use only. Not for use with the general public.
“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. ADV5707 (08-2025)
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Indexed interest crediting options may be subject to a participation, cap, fixed, spread and/or performance trigger rate. These rates are subject to change at the discretion of Fidelity & Guaranty Life Insurance Company.