Dear Financial and Insurance Professional,

Can It Pay To Delay Social Security?

Clients may benefit from delaying the start of their Social Security payments. Use the F&G Flex Accumulator™ fixed indexed annuity (FIA) with penalty-free withdrawals available immediately and based on initial premium with no commission chargeback to help your clients delay taking Social Security¹ and enhance their future payout.

The F&G Flex Accumulator FIA has a 10% free withdrawals available in first year, based on initial premium, with no chargeback.

Learn more about F&G Flex Accumulator. All of these materials and more are included on our resource page.

Ryan Snyder

National Accounts, VP

443.280.5527

Ryan.Snyder@fglife.com

Please reach out with any questions you may have. We would be happy to help you with any cases you are working on.

For producers only. Not for use with the general public.

¹If you delay receiving Social Security benefits until after your full retirement age, your monthly benefit continues to increase. When you reach age 70, your monthly benefit stops increasing even if you continue to delay taking benefits.

“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 Flex Accumulator is a Flexible Premium Deferred Annuity. Annuities are long-term vehicles to help with retirement income needs.

Surrender charges [and market value adjustment] may apply to partial and full surrenders. Surrenders may be taxable and may be subject to penalties prior to age 59 ½.

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