Valued Client Owner Age: 65 State of Issue: Connecticut
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1 Fixed Annuity Prepared For: Valued Client Owner Age: 65 State of Issue: Connecticut Prepared On: March 31, 2014 Prepared By: Valued Client Firm Name: Input Summary: Premium: $100,000 Withdrawal Charge Period: 3 Year Guarantee Rate Period: 3 Year ROP / MVA Option: No Return of Premium with No MVA Not a bank deposit Not FDIC/NCUA insured Not insured by any federal government agency No bank guarantee May lose value Not a condition of any banking activity Page 1 of 7 NOT VALID WITHOUT ALL PAGES
2 Hypothetical Illustration: Introduction What is this document? This is an illustration intended to help you understand how your fixed annuity Contract works. It is not intended to predict performance and is not a guarantee of future performance. It depicts how the Contract will perform and respond under certain assumptions that may or may not come true. This illustration is not a fixed annuity contract. About Forethought s SecureFore Fixed Annuity SecureFore fixed annuities are designed to help meet your investment and income needs for retirement. With SecureFore, you create a personalized balance between growth opportunity and protection through a wide range of options. Fixed annuities are long-term investment vehicles designed for retirement purposes, in which all interest and capital gains accumulate tax-deferred. All guarantees and benefits are based on the claims-paying ability of the issuing company. Death benefits may be subject to ordinary income taxes, and may be included in the contract owner s gross estate for estate tax purposes. About Forethought Life Insurance Company We provide life insurance and annuities that help America s senior middle market plan for their pre-retirement, retirement and end-of-life needs through key thirdparty distribution relationships. Experienced leadership and financial discipline underlie our strong growth and success in the marketplace. With our targeted strategy and multifaceted product lines, we deliver enduring value to our customers and distribution partners. More information on the company and its financial performance is available at This illustration is accompanied by our Disclosure Document. The Disclosure Document contains information regarding the fixed annuity contract, which should be considered carefully before investing. Please read the Disclosure Document carefully before investing. For a list of key terms, please see the Key Terms and Definitions section. Where to find additional product information In addition to the Disclosure Document, you can find more information about SecureFore in the product kit. The kit contains a product detail sheet and client guide that describe the product features and investment options, as well as benefits. These materials are interdependent and together will give you a more complete picture of the benefits of SecureFore as well as the associated risks, costs and tradeoffs Page 2 of 7 NOT VALID WITHOUT ALL PAGES
3 Hypothetical Illustration: Snapshot Client Name: Valued Client Premium: $100,000 Withdrawal Charge Period: 3 Year Gender/Issue age/state of Issue: Male/65/CT Tax Status: Non-Qualified Guarantee Rate Period: 3 Year Guaranteed Rate Period 3 years (Contract years 1-3) Base Rate 2.00% Minimum Guaranteed Rate (years 1-3) 1.00% Minimum Guaranteed Rate (years 4+) 0.50% Guaranteed Rate Period Rates Contract Year Rate % % % Withdrawal Charge Schedule Contract Year Withdrawal Charge % 8% 8% 7% 0% The current interest rates referenced above are guaranteed for the Guaranteed Rate Period beginning at issue. After the Guaranteed Rate Period expires, renewal interest rates will be declared and will never be less than the Minimum Guaranteed Rates. This Illustration also assumes the annuity's current non-guaranteed elements will not change. It is likely that they will change and actual values will be higher or lower than those in this Illustration but will not be less than the minimum guarantees. The values in this illustration are not guarantees or even estimates of the amounts you can expect from your annuity. Please review the entire attached Disclosure Document and Buyer's Guide provided with your Annuity Contract for more detailed information Page 3 of 7 NOT VALID WITHOUT ALL PAGES
4 Hypothetical Illustration: Guaranteed and Non - Guaranteed Annuity Values Client Name: Valued Client Premium: $100,000 Withdrawal Charge Period: 3 Year Gender/Issue age/state of Issue: Male/65/CT Tax Status: Non-Qualified Guarantee Rate Period: 3 Year Contract Year Age Guaranteed Interest Rate Values Based on Guaranteed Rates Contract Value / Guaranteed Minimum Death Benefit Contract Withdrawal Value with Withdrawal Charge Current Interest Rate Values Based on Current Rates (Non-Guaranteed) Contract Value / Guaranteed Minimum Death Benefit Contract Withdrawal Value with Withdrawal Charge % $102,000 $93, % $102,000 $93, % $104,040 $95, % $104,040 $95, % $106,121 $98, % $106,121 $98, % $106,651 $106, % $108,243 $108, % $107,185 $107, % $110,408 $110, % $107,721 $107, % $112,616 $112, % $108,259 $108, % $114,869 $114, % $108,800 $108, % $117,166 $117, % $109,344 $109, % $119,509 $119, % $109,891 $109, % $121,899 $121, % $115,511 $115, % $148,595 $148, % $121,418 $121, % $181,136 $181, % $124,484 $124, % $199,989 $199,989 The SecureFore Fixed Annuity Illustration ("Illustration") is based upon minimum guaranteed crediting rates and hypothetical crediting rates. The Illustration is based upon the Owner's age at issue. If the Owner is a non-natural person, then the Annuitant's age will be substituted for that of the Owner. Contract Values shown are assumed to be at the end of the Contract Year Shown. The Illustration assumes you will take no withdrawals from your annuity. Withdrawals will reduce the annuity Contract Value and the Contract Withdrawal Value. Withdrawals in excess of the Free Withdrawal amount may be subject to Withdrawal Charges. Withdraws of taxable amounts are subject to a 10% federal tax penalty if taken before age 59½. Current Interest Rates are not guaranteed and are subject to change by Forethought at any time without notice. This Illustration also assumes the annuity's current non-guaranteed elements will not change. It is likely that they will change and actual values will be higher or lower than those in this Illustration but will not be less than the minimum guarantees. The values in this Illustration are not guarantees or even estimates of the amounts you can expect from your annuity. Please review the SecureFore Important Information Page, the Client Guide and Product Details Sheet for more detailed information. State variations may apply Page 4 of 7 NOT VALID WITHOUT ALL PAGES
5 Hypothetical Illustration: Annuity Income Options and Illustrated Monthly Income Values Client Name: Valued Client Premium: $100,000 Withdrawal Charge Period: 3 Year Gender/Issue age/state of Issue: Male/65/CT Tax Status: Non-Qualified Guarantee Rate Period: 3 Year This annuity is designed to pay an income that can be guaranteed to last as long as the Annuitant lives. When annuity income payments are to begin, the income payment amounts will be determined by applying an annuity income rate to the annuity Contract Withdrawal Value. Available Annuity Options Life Annuity Life Annuity with 10 Years of Annuity Payments Guaranteed Life Annuity with 20 Years of Annuity Payments Guaranteed Joint and Last Survivor Annuity Joint and Last Survivor Annuity with 10 Years of Annuity Payments Guaranteed Guaranteed Payment Period Hypothetical Annuity Income Illustration The following hypothetical annuity income quotes are based on annuitization taking place at the later of age 70 or 10 years after issue and at the maturity date. The maturity date is the contract anniversary on or immediately following the oldest owner's 100th birthday, however, clients may elect to annuitize at any time following the first contract anniversary*. Annuity Income Option Annuity Income Options Based on Rates Guaranteed in the Contract and Guaranteed Elements Assumed Owner Age when Payments Start / Gender Contract Withdrawal Value Based on Rates Guaranteed in the Contract Monthly Annuity Income Rate Per $1,000 of Account Value** Monthly Annuity Income Life Annuity with 10 Years of Annuity Payments Guaranteed 75/M $109,891 $5.38 $591 Life Annuity with 10 Years of Annuity Payments Guaranteed 100/M $124,484 $8.74 $1,088 Annuity Income Option Annuity Income Options Based on Rates Currently Offered by Forethought and Non-Guaranteed Elements Assumed Owner Age when Payments Start / Gender Contract Withdrawal Value Based on Rates Currently Offered by Forethought Life Monthly Annuity Income Rate Per $1,000 of Account Value** Monthly Annuity Income Life Annuity with 10 Years of Annuity Payments Guaranteed 75/M $121,899 $5.38 $656 Life Annuity with 10 Years of Annuity Payments Guaranteed 100/M $199,989 $8.74 $1,748 Contract Withdrawal Values utilized for Guaranteed Element income options and Non-Guaranteed Element income options can be located on p.4 of your illustration. * State variations may apply ** If, at the time of annuitization, the annuity income rates currently offered by Forethought Life Insurance Company to this class of contracts are higher than the annuity income rates guaranteed in the contract, those current rates will apply Page 5 of 7 NOT VALID WITHOUT ALL PAGES
6 Hypothetical Illustration: Key Terms and Definitions Age This column shows the attained age at the end of each year. Contract Value The accumulated value, using guaranteed interest rates, at the end of each Contract Year (assuming no withdrawals), prior to receiving annuity payments. It is also the amount available upon the Owner's death, if it occurs before the annuity payments begin. The Death Benefit is not affected by withdrawal charges. Contract Withdrawal Value with Withdrawal Charge The amount available at the end of each year if you surrender the Contract after deduction of any Withdrawal Charge. Withdrawal charges are applied to Contract Value according to the schedule below until the withdrawal charge period ends. State variations may apply, please check your Product Detail Sheet for more information. Contract Year Withdrawal Charge % 8% 8% 7% 0% Contract Year All values shown are calculated as of the end of the contract year shown. would be declared one year at a time. For the purposes of this Illustration, the Company's current initial base interest rate (without the bonus) is used to calculate the Illustrated Values after the end of the interest Guaranteed Rate Period. The actual renewal interest rates will very likely NOT be the same as the illustrated renewal interest rates. Guaranteed Interest Rate The rate of interest shown is an annual rate which is credited daily based on the Contract Value. Guaranteed Minimum Death Benefit The Guaranteed Minimum Death Benefit upon the Owner's death is the Contract Value. Withdrawals 10% of the beginning-of-year Contract Value after the first Contract Year can be withdrawn each year without incurring Withdrawal Charges, except in any year where a full surrender occurs. If you withdraw an amount in excess of the Free Withdrawal amount, you may be subject to Withdrawal Charges. Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% federal tax penalty if taken before age 59½. Withdrawals will also reduce the Death Benefit and Contract Withdrawal Value. Current Interest Rate Current Interest Crediting Rates are declared by Forethought Life Insurance Company. Interest rates are shown as annual rates with daily crediting. During the Guaranteed Rate Period, values developed from the Premium Payment are illustrated using the Current Interest Rate(s) shown, which includes an interest bonus. On the Contract issue date, the interest rates will be guaranteed for the selected Guaranteed Rate Period. After the initial Guaranteed Rate Period, a renewal interest rate Page 6 of 7 NOT VALID WITHOUT ALL PAGES
7 Hypothetical Illustration: Important Information Guarantees are backed by the financial strength and claims paying ability of Forethought Life Insurance Company. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your tax or legal counsel for advice. All riders are subject to state and firm approval and variations. Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 591/2 may also be subject to a 10% federal income tax penalty. Distributions received from a non-qualified contract are taxable to the extent of the income on the contract, and to the extent of untaxed investment income on the funds used to purchase the contract. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals may reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal. This Illustration does not take into consideration the potential withdrawal of RMDs that may be associated with a contract issued as an IRA. RMDs from an IRA annuity during the Owner's lifetime, not taken in the form of irrevocably elected annuity payments, are calculated by dividing the value of the annuity contract as of the last day of the preceding year by life expectancy factors established by the IRS. Distributions from traditional Individual Retirement Accounts ( IRA ) are required for each year following the year in which the Owner reaches age 70 ½. Failure to take RMDs may result in a 50% penalty on the amount of required distribution not taken, and the penalty does not relieve the Owner of the responsibility to withdraw the required amount for that year. No RMD is required during lifetime of the Owner of a Roth IRA. Distributions from one IRA may be able to satisfy the RMDs associated with another IRA. Please consult with an attorney, financial advisor, or qualified tax advisor concerning these matters. If you are investing in a deferred annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from an annuity. Under these circumstances, you should only consider buying an annuity if it makes sense because of the annuity s other features, such as principal protection or lifetime income payments. Forethought is Forethought Financial Group, Inc. and its subsidiaries, including Forethought Life Insurance Company. SecureFore SM fixed 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 Page 7 of 7 NOT VALID WITHOUT ALL PAGES
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