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F&G Everlast®
Indexed universal life (IUL) insurance built to protect loved ones with a lasting legacy — plus diversified cash value growth potential and living benefits to support you through life’s unexpected moments
Permanent protection
Secure strong, permanent death benefit coverage — a legacy your clients' families can count on — with the flexibility to adjust coverage as life changes
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Cash value accumulation
Select indexed crediting strategies from household names like S&P 500® and Barclays help clients pursue growth
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Living benefits built in
If diagnosed with a critical,1,2,4 terminal1,3,4 or chronic illness,1,4,5 clients can access a portion of their death benefit early so they can focus on recovery, not finances
F&G Everlast delivers compelling value for clients:
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Seeking strong, permanent death benefit protection to secure their family's financial future
Looking for a versatile product that works across a wide range of life stages, including juvenile coverage they can carry through to their own retirement
Prioritizing diversified growth potential across multiple indexes and downside protection
Everlast At-a-Glance
Read the at-a-glance
Everlast Single-Pay Case Studies
Read the flyer
Everlast and Pathsetter Comparison
Read the flyer
Explain the value of an IUL with F&G Benefit Dial
One simple framework. Three powerful benefits.
Learn ways to showcase how IUL can help clients protect their legacy, prepare for the unexpected while they are living, and live up to their aspirations.
Dial into living benefits
Built-in living benefits on F&G Everlast can help clients plan for life’s unexpected events.
Additional resources
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Discover the power of diversification
F&G offers diverse interest crediting options tailored to your clients' needs. Help clients build strategies that weather market volatility.
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See where F&G Everlast is available
Explore our full suite of life products, training and resources
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Life Sales Desk
866.357.8734
Life.Sales@fglife.com1 The accelerated benefit paid will be based on the age and severity of illness and will be less than the accelerated amount due to receiving the death benefit prior to the death of the insured and the administrative fee. The death benefit will be reduced by the full, accelerated amount. Benefits under these riders are intended to qualify for favorable tax treatment, ultimately these benefits may or may not be taxable. Clients should seek assistance from their personal tax advisor before exercising this benefit.
2 For the critical illness rider, a covered illness must first occur on or after the effective date of the rider. If you choose to accelerate the critical illness rider, both the terminal illness and chronic illness riders terminate.
3 Subject to state availability. Certain restrictions may apply.
4 The rider is not available when the insured life is rated higher than table 4 or if there is a flat extra rating per $1,000.
26-0284
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.
Subject to state availability. Certain restrictions may apply. Optional provisions and riders have limitations, restrictions and additional charges.
The "S&P 500 Index" is a product of S&P Dow Jones Indices 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 Life Insurance 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.
Barclays Bank PLC and its affiliates (“Barclays”) is not the issuer or producer of Indexed Universal Life Insurance and Barclays has no responsibilities, obligations or duties to contract owners of Indexed Universal Life Insurance. The Index is a trademark owned by Barclays Bank PLC and licensed for use by Fidelity & Guaranty Life Insurance Company as the Issuer of Indexed Universal Life Insurance. Fidelity & Guaranty Life Insurance Company as Issuer of Indexed Universal Life Insurance may for itself execute transaction(s) with Barclays in or relating to the Index in connection with Indexed Universal Life Insurance. Contract owners acquire Indexed Universal Life Insurance from Fidelity & Guaranty Life Insurance Company and contract owners neither acquire any interest in Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Indexed Universal Life Insurance. The Indexed Universal Life Insurance are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Indexed Universal Life Insurance or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, contract owners or to other third parties in respect of the use or accuracy of the Index or any data included therein.
For more information about Barclays Trailblazer Sectors 5 index, see http://indices.barclays/trailblazer5.