Fixed Annuity. SecureFore 5. Client Guide. Annuities issued by Forethought Life Insurance Company

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1 SM SecureFore 5 Fixed Annuity Annuities issued by Forethought Life Insurance Company Client Guide Not a bank deposit Not FDIC/NCUA insured Not insured by any federal government agency No bank guarantee May lose value

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3 Trust Forethought when it matters most With Forethought Life Insurance Company ( Forethought ) you can be confident your security comes first. We are proud to have served millions of consumers who have placed their trust in Forethought to help them protect their families financial futures. Forethought has built its reputation through more than 25 years of quality, service and reliability. For more information, please visit 2

4 You may have to rely on your own choices and planning to secure your retirement and we want you to know you are not alone we are here to help. Retirement, as once defined, is quickly fading away. When it comes to preparing for your future, we want to make sure you understand exactly what your options are. Retirees used to rely on pensions and Social Security to provide them with predictable, guaranteed retirement income. Now, you have to rely on your own financial knowledge and planning skills to secure your financial future. There are several aspects affecting your retirement planning that you will NOT be able to control: Longevity: outliving your retirement Market downturns: If you are in or near retirement a market downturn can have a serious impact on your financial security Taxes: the real return on your retirement assets can decrease based on taxes on interest earnings We are committed to helping you with the aspects of retirement planning that you CAN control the when and how. 3

5 With a Forethought SecureFore 5 SM Fixed Annuity you can build a safe and flexible retirement plan that allows you to live your retirement on your terms. A fixed annuity is a contract between you (the owner) and a life insurance company under which the company agrees to accept an Annuity Deposit and administer the annuity until it is surrendered, all funds are withdrawn, or a guaranteed income is elected. It is an insurance product intended to provide for retirement and other long-term financial needs and designed to help you prepare for the future. A fixed annuity is an ideal financial product for individuals who have enough liquid assets to cover living expenses and unexpected emergencies, such as medical bills. Your financial resources need to last as long as your retirement. With a Forethought SecureFore 5 SM Fixed Annuity ( SecureFore 5 ), you can feel confident that your retirement savings will grow steadily, without being subject to stock market risk. The SecureFore 5 offers you the flexibility to maintain access to your money if needed, while providing the option to generate a stream of income that s guaranteed for life. A tax-deferred fixed annuity offers a variety of advantages: Fixed interest rates and guaranteed growth Principal protection against potential loss due to stock market risk Tax-deferred interest earnings Convenient and flexible access to your money when you need it With the optional Return of Annuity Deposit feature, an Annuity Deposit guarantee ensures you ll never receive back less than what you paid for your policy A guaranteed full Contract Value death benefit payable to your designated beneficiaries The opportunity to generate a stream of income that s guaranteed to last a lifetime. Note: SecureFore 5 is offered by Forethought Life Insurance Company. 4

6 The SecureFore 5 SM offers you the potential to grow your retirement assets while enjoying freedom from loss related to stock market declines. The following factors will work to maximize your retirement income: Guaranteed growth Your Contract Value growth is secure. The interest rate will be locked in for five years. After the interest rate guarantee period expires, at the beginning of each subsequent Contract Year a renewal rate will be declared and guaranteed for one year. Tax-deferral Your Contract Value grows on a tax-deferred basis. This means your money grows faster because you pay taxes on your interest earnings only when you take withdrawals or income payouts. Your earnings stay in your Annuity Contract until withdrawn, allowing you to benefit from interest on your original purchase payment and on your earnings. Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% federal tax penalty if taken prior to age 59 1 /2. $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 $0 $324,340 $261,525 $219,112 $234,384 $176,449 $185,761 $132,834 $134,578 $148,024 After 10 Years After 20 Years After 30 Years The power of tax-deferral: Lump-sum purchase of $100,000 Assumed annual growth of 4% 28% income tax on interest gains assessed annually on the taxable account and upon withdrawal from the tax-deferred account Taxable account Tax-deferred account; after taxes upon withdrawal Tax-deferred account; before taxes upon withdrawal Outcomes may vary depending upon your federal tax bracket and applicable state tax code. (This information is provided for illustrative purposes only and should not be considered representative of past, current, or future performance of The SecureFore 5 SM. Withdrawals made prior to age 59 1 /2 are subject to a 10% federal tax penalty, which is not illustrated in this example.) 5

7 There are several options for your financial future and together we will help find the best solutions for you. Together, we will help secure your retirement savings. Note: Purchase of the Contract through a qualified plan does not provide any additional tax-deferral benefits beyond those already provided through the qualified plan. If you are purchasing the Contract through a qualified plan, you should consider purchasing it for its death benefit, annuity options, and other non-tax-related benefits. 6

8 We want you to be in charge of your money, deciding when and how to access it. Several products offer benefits, learn why The SecureFore 5 SM may be the right decision for you. The SecureFore 5 SM ensures you maintain access to your money, because we know retirement plans can change. 7

9 Withdrawal Privileges You can access your money at any time during the Contract term by making a Withdrawal. Some money can be withdrawn without incurring charges, while some withdrawals may be subject to a Withdrawal Charge and a Market Value Adjustment. Withdrawals may be subject to ordinary income tax, and a 10% IRS penalty may apply to amounts withdrawn prior to age 59 1 /2. When considering a Withdrawal from your annuity, carefully review your Contract. Taking this step will help you understand the effect withdrawing money from your annuity can have on future interest earnings. Annual Free Withdrawals The following Withdrawals can be made without incurring Withdrawal Charges or a Market Value Adjustment. 10% of the beginning-of-year Contract Value each year, after the first Contract Year (except in year of full surrender). Any Required Minimum Distribution imposed by the IRS on this Contract, even if it exceeds the Free Withdrawal amount (except in year of full surrender). The Free Withdrawal amount will equal the greater of the two amounts described above. Should you need to withdraw more, any excess above the amounts described will be subject to a Withdrawal Charge, not to exceed 8%. Excess withdrawals may also be subject to a Market Value Adjustment (state variations apply). Full Surrenders In the event you need to withdraw the full value of your Contract prior to the end of your Withdrawal Charge period, upon your request, we will send you a check for your Contract Withdrawal Value. Withdrawal Charges will be applied to the entire amount, including any Free Withdrawals made during the Contract Year. Withdrawal Charges only apply within the Withdrawal Charge period. Full surrenders may also be subject to Market Value Adjustment (state variations apply). Annuitization Through a process called annuitization, you can use your annuity s value to create a regular income stream of payments. There are several settlement options available for your Contract, including ones that will generate a guaranteed lifetime income. Read your Contract for complete details on the annuitization options available. Market Value Adjustment ( MVA ) A Market Value Adjustment ( MVA ) compares the interest rate environment at the time of issue to the interest rate environment at the time of withdrawal. If selected at issue, the MVA may be assessed only on withdrawals subject to withdrawal charges. The MVA does not apply to free withdrawals, RMDs, death benefit proceeds, withdrawals made after the withdrawal charge period, and any withdrawals for which the charges are waived. The MVA may be positive or negative, depending on the change in interest rates from the time of issue to the time of withdrawal. Generally, an increase in interest rates has a negative effect on the contract withdrawal value, while a decrease in interest rates has a positive effect on the contract withdrawal value. MVAs may not apply in all states. 8

10 Financial information can be overwhelming. We offer you financial security and peace of mind. The SecureFore 5 SM works to offer you principal protection and death benefit proceeds for loved ones. Your annuity also includes additional protection for you and your family in case of the following hardships: Principal Protection There are no monthly or annual fees for this contract. 100% of the money with which you purchase your annuity is credited to your Contract Value. This money (less prior withdrawals and less Withdrawal Charges and Market Value Adjustment on any prior withdrawals) is 100% guaranteed if held to the end of the Withdrawal Charge period. Death benefit Your beneficiaries are eligible to receive a death benefit equal to the full Contract Value, without incurring any Withdrawal Charges or Market Value Adjustment. Upon your death, we will pay your entire Contract Value directly to your designated beneficiaries, avoiding the potential delays and costs of the probate process. The standard death benefit allows your beneficiaries to receive a lump sum payment or a stream of payments over a specified period of time. 9

11 Return of Annuity Deposit Guarantee If available and selected at issue, Forethought guarantees that in the event you need access to your money and surrender your Contract, you are guaranteed to receive at least your original Annuity Deposit, minus all prior withdrawals. Terminal Illness Waiver* Should you suffer from a terminal illness, Withdrawal Charges and Market Value Adjustment will be waived on any portion of the Contract Value withdrawn after the first Contract Anniversary. Nursing Home Waiver* At any time on or after the first Contract Anniversary, if you should become confined to an approved nursing facility for at least 60 consecutive days, you can take out a portion of your money, up to 100% of your Contract Value, without incurring Withdrawal Charges or Market Value Adjustment. * Forethought must receive proof as identified in the waiver riders attached to the annuity contract in order to qualify for these benefits. Subject to state availability. Nursing Home Waiver Rider referred to Confinement Waiver Rider in CT. 10

12 This brochure was prepared to support the marketing of an annuity product issued by Forethought Life Insurance Company. Forethought affiliates, their distributors, representatives and/or insurance agents do not provide tax, accounting or legal advice. Please consult your own independent advisor as to any applicable statements made herein. Forethought SecureFore SM annuities are issued by Forethought Life Insurance Company and available in most states with contract FA1101SPDA-01, (certificate series GA1101SPDA-01, as applicable). Read the contract for complete details. Products and features are subject to state variations and availability. Guarantees are backed by the financial strength and claims paying ability of Forethought Life Insurance Company. Forethought Life Insurance Company Corporate Office 300 North Meridian Street, Suite 1800 Indianapolis, IN Administrative Office One Forethought Center Batesville, IN FA Forethought 1212

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