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For financial professional use only. Not for use with the general public.

¹The Minimum Interest Credit (MIC) Rider is automatically included with Secure Landing. The fee for this feature is calculated as 0.40%, divided by 12, and applied monthly. It will no longer be applied when the account value is greater than the MIC value. The MIC fee does not apply in CA. Rates may differ in CA. Please refer to the Secure Landing rate sheet for full list of current MIC rates.
²During the 5 or 7-year surrender period.
³1If specific qualifications for impairment are met (see rider for details) and the Account Value is greater than zero, withdrawal payments increase by 2X (1.5X if joint contract). Feature is subject to state availability.
⁴A new 1-year guarantee period will begin after the end of the previous guarantee period.
⁵ AUM before flow reinsurance is a non-GAAP measure and is just one financial indicator that should be reviewed in the context of F&G’s broader assets and liabilities.
⁶ https://investors.fglife.com/news/news-details/2026/FG-Annuities--Life-Reports-Fourth-Quarter-and-Full-Year-2025-Results
⁷ Wink’s Sales & Market Reports Q3 2025

“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.

Surrender charges, market value adjustment, asset adjustments and/or equity adjustments may apply to partial and full surrenders. Surrenders may be taxable and may be subject to penalties prior to age 59 ½

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. Interest rates subject to change at insurer’s discretion and are effective annual or biennial rates.

All interest crediting options may not be available in all states. Secure Landing provides for a return of premium (less withdrawals) at any time during the surrender change period.

F&G Confidence Builder is a Registered Index-linked Annuity; it is not available in MO, NY, OR, PR, and VA.

F&G Secure Landing is a Modified Single Premium Deferred Annuity; it is not available in NY.

F&G SecureIncome is a Flexible Premium Deferred Annuity; it is not available in ID, MT, NY and PR.

F&G SecureBuilder is a Flexible Premium Deferred Annuity; it is not available in MT, NY and PR.

F&G Secure MYGA MVA is Single Premium Deferred Annuity; it is not available in NY.

Deferred, fixed indexed annuities provide a minimum guaranteed surrender value. You should understand how the minimum guaranteed surrender value is determined before purchasing an annuity contract. Even though contract values may be affected by external indexes, the annuity is not an investment in the stock market and does not participate in any stock, bond or equity investments.

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.

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. 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. 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 your retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional.

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.

F&G annuities are insurance products not guaranteed by any bank nor are they insured by FDIC, NCUA/NCUSIF, the Federal Government or any agency. They may lose value. There is no bank or credit union guarantee, and they are not a deposit. They may be offered only by a licensed insurance agent.

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). 

Financial strength ratings for Fidelity & Guaranty Life Insurance Company and Fidelity & Guaranty Life Insurance Company of New York for A.M. Best, Fitch, and S&P. Financial strength rating for Fidelity & Guaranty Life Insurance Company for Moody’s.

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