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- ratings with A.M. Best, S&P Global, Fitch and 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
What is Fixed Indexed Universal Life Insurance?
FIUL insurance is permanent life insurance with policy performance tied to a market-driven index. This allows policy cash values to grow with market indexes while the guaranteed product floor protects against market index loss. F&G FIUL products provide lifelong flexible protection with strong cash accumulation potential and play an important part in creating a secure financial plan.
1LIMRA U.S Retail Individual Insurance Sales Participant Report, Q3 2021
2 A.M. Best Financial Strength Rating: A- (“Excellent”), 4th highest out of 16 ratings for financial strength. Rating as of December 2021. 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 2021. 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 September 2021. Financial strength rating for Fidelity & Guaranty Life Insurance Company for Moody’s is Baa1, 4th highest out of 9 ratings for financial strength. Rating as of November 2021.
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.