Why F&G Life?
For over 60 years, F&G has built a growing business based on partnership, innovation and a disciplined approach. We are supporting our vision of improving the financial lives or more, and are ranked #3 in fixed indexed universal life (FIUL) policy Count1.
- We are Financially Strong: A rating with A.M. Best, A- ratings with S&P Global and Fitch and A3 with Moody's
View full ratings2 - Our Strong FIUL product performance is driven by high cap and par rates and a reliable rate history
- F&G offers a streamlined online application process and Exam-Free3 Underwriting, along with accelerated death benefits for Critical, Chronic and Terminal illness
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- F&G Underwriting Guidelines
- Life Underwriting Telephone Interview Guide
- Foreign National and Residency Guidelines
- Doing Business with F&G
- Wizard e-App Tutorial
- e-App Help Page
- Using Web-Based Video Solicitation
- 7702 Rates FAQ
- Common APS triggers and reasons for a decline
- Why you should apply at standard rates
“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.
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1LIMRA YTD Q1, 2023 U.S. Retail Individual Life Sales Report
2 AM Best Financial Strength Rating: A (“Excellent”), 3rd highest out of 13 ratings for financial strength. Rating as of January 2024. Financial strength rating for Fidelity & Guaranty Life Insurance Company for S&P is A-, 3rd highest out of 11 ratings for financial strength. Rating as of October 2023. Financial strength rating for Fidelity & Guaranty Life Insurance Company for Fitch is A-, 3rd highest out of 11 ratings for financial strength. Rating as of August 2023. Financial strength rating for Fidelity & Guaranty Life Insurance Company for Moody’s is A3, 3rd highest out of 9 ratings for financial strength. Rating as of July 2023.
3 Policy approval is determined by a review of medical and personal history on the application and may be subject to additional underwriting requirements at the discretion of F&G. Review Fidelity & Guaranty Life Insurance Company Underwriting Guidelines for additional details. For applicants who are not U.S. citizens or not permanent resident cardholders, the maximum issue face amount for exam-free underwriting is $300,000. In Puerto Rico, exam-free underwriting is available for applicants age 0-45 who are applying for less than $150,000.