1 Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD Distributed by Legacy Marketing Group
2 Choices To Plan for the Long Term The financial challenges you face evolve with economic and life changes. Life is a spectrum of possibilities. The financial challenges you face evolve with economic and life changes. Although you can t know for certain what the future holds, you can plan ahead so that your life savings don t end up in the red. What are your objectives for your long-term savings? Safety and security? Building and protecting a legacy for your heirs? Access to your savings? Guaranteed income? Tax-deferred growth? A fixed indexed annuity provides minimum guarantees and in many cases tax deferral that are not found in many other long-term, safe-money savings vehicles. With diverse interest crediting options, an upfront premium bonus, a competitive rider that provides guaranteed lifetime income, multiple liquidity riders, and a strong death benefit, SpectraMark and SpectraMark LT flexible premium fixed indexed annuities respond to your needs for growth, income, and protection. Buying an annuity within an IRA or other tax-deferred retirement plan doesn t give you any extra tax benefit. Choose the annuity based on its other features and benefits as well as its risks and costs, not its tax benefits. Please consult a tax adviser regarding your unique situation. 2 SpectraMark Flexible Premium Fixed Deferred Indexed Annuity
3 Opportunity With several interest crediting options, including a Fixed Interest Option, SpectraMark provides you more control over your savings and greater opportunity for growth. Plus, with an upfront premium bonus, your premium dollars get a jumpstart, and the bonus amount is eligible to earn interest credits. Income One of the greatest challenges in life is ensuring that you have adequate income in retirement. According to the Social Security Administration, the median income for seniors age 65 and older was $25,757 in 2010 and the median Social Security payment was $15, With SpectraMark, you have peace of mind knowing that you have guaranteed lifetime income plus an additional benefit if you cannot perform two of six activities of daily living. The Income Security Rider SM, packaged with your annuity, can help protect your future standard of living. With SpectraMark, you have peace of mind knowing that you have guaranteed lifetime income plus an additional benefit if you cannot perform two of six activities of daily living. Flexible Premium SpectraMark is a flexible premium fixed deferred indexed annuity. That means additional premiums can be added after the contract is issued, and any premium received in the first contract year is credited with the upfront premium bonus. In addition, 100% of your premium goes to work for you. More Control If something unexpected comes your way or you just need extra cash, SpectraMark offers several options for accessing your annuity value, including checkbook access. Some restrictions apply. An additional bonus interest rate is paid on this annuity. Annuities that offer bonus interest features may have higher fees and charges, longer surrender charge periods, lower credited interest rates and/or lower cap rates than annuities that do not provide the bonus feature. 1. Emily Brandon, The 4 Most Important Sources of Retirement Income, U.S. News and World Report LP (March 22, 2012) SpectraMark Flexible Premium Fixed Deferred Indexed Annuity 3
4 Interest Crediting Options Fixed Interest Option The interest rate for this option is declared by the Company and guaranteed for each 12-month period and will never be less than the Minimum Guaranteed Surrender Value (MGSV) accumulation interest rate described in your contract. A new 12-month period is established for each premium payment or transfer allocated to this option. You may transfer from this option on contract anniversaries. If you anticipate needing to take periodic withdrawals, this option is recommended. Indexed Interest Options These options offer you the opportunity to link interest credited to a formula that tracks percentage changes in the S&P 500 Index during an interest crediting period. You benefit from tax-deferred earnings and index-linked gains without eroding your principal. If you, as the contract owner, die prior to the next index crediting date, your beneficiaries will receive the indexed interest credit as of the date of death. This is important because it means that your annuity s beneficiaries will not miss out on index growth occurring after the previous contract anniversary. The S&P 500 is a leading stock market index and a primary economic indicator. The index measures price changes of 500 widely held U.S. common stocks. Dividends paid on the stocks underlying the index are not reflected in the index itself. Please refer to the Indexed Interest Option inserts that accompany this brochure for additional information and examples of how each option works. Minimum Guarantees Protect Your Savings Each interest crediting option includes a minimum guarantee, which provides a cushion in uncertain economic times. This guarantee varies by interest crediting option but is guaranteed to never be less than 0%. That means that as long as there is no partial or full surrender within the surrender charge period, your initial premium and bonus are protected from loss, as the hypothetical example on Page 5 shows. Access to Account Values SpectraMark offers several options for accessing your account values, and you can select the interest crediting option from 4 SpectraMark Flexible Premium Fixed Deferred Indexed Annuity
5 Number of Years Premium Premium $150,000 $135,862 $125,000 $150,000 $125,000 $100,000 $100,000 $75,000 $135,862 $103,000 $103,000 $78,173 $78,173 $75,000 $50, $50,000 Number of Years Number of Years SpectraMark S&P 500 One-Year Annual Point-To-Point Index Interest Crediting Option Hypothetical Performance Values Based on Average Annualized Return 12/31/ /31/2009 Total Account Value Minimum Account Value Index Performance Premium Total Account Value: 100% of premium plus The hypothetical example above illustrates $150,000 bonus accumulating at an indexed interest rate how the account value of the SpectraMark $135,862 based on an annual point-to-point crediting option annuity can increase but not decrease, assuming no withdrawals and no surrender with 5% cap and actual S&P 500 values for the $125,000 charges. This example is not a representation dates indicated. of future $103,000 performance. It assumes $100,000 in premium and a 3% premium bonus. $100,000 Minimum Account Value: For purposes of this illustration, this value reflects the initial premium Surrender $78,173 Value Should you need to plus bonus amount. Assumes a 0% crediting surrender the contract, you will receive the $75,000 greater of: The total account value, less rate for the entire surrender charge period and no surrender charges, OR 87.5% of premium withdrawals are taken. applied to the account value plus interest $50,000 credited daily at the Minimum Guaranteed Index Performance: Reflects 3 4 annual 5 change 6 7 in 8 Surrender 9 10 Value Accumulation Interest Rate S&P 500 Index for the dates Number indicated. of Years Assumes shown on your contract s information page. $100,000 invested in the S&P 500 Index. See your contract for more information. which monies will be withdrawn. If you do not select an option for withdrawals, withdrawals will come from each interest crediting option based on the proportional percentage of account value the option represents. Keep in mind that amounts withdrawn from an indexed option before the end of the interest crediting period will have no interest earnings credited for that period. Therefore, if regular withdrawals are anticipated, the Fixed Interest Option may be an appropriate selection. Withdrawals Free of Surrender Charges Each contract year after the first contract year, you may withdraw up to 10% of your account value (as of prior contract anniversary), less any prior free withdrawals taken during the current contract year. For tax-qualified contracts, if the minimum required distribution is greater than the surrender charge-free limit, it may be withdrawn without surrender charge, beginning the first contract year. Checkbook Access Available upon request by the owner, the checkbook brings peace of mind and eliminates the need for forms and mail time. Four drafts can be written per contract year. The minimum draft amount is $500, and the draft must be made payable to the owner or a financial institution. Checkbooks are not available for certain types of annuities SpectraMark Flexible Premium Fixed Deferred Indexed Annuity 5
6 Substantially Equal Periodic Payments (SEPP) The SEPP option, provided for under IRC 72(q) and (t), allows for penalty-free withdrawals before age 59½. Withdrawals that exceed 10% of the account value in a given year are not subject to surrender charges, even in the first contract year. A 10% surrender charge-free withdrawal may not also be taken when this option is elected. See the enrollment form for details. Systematic Income Option If you need regular access to your account values, systematic income is available on an annual, semiannual, quarterly, or monthly basis. The minimum withdrawal amount is $100. Except for monthly income payments, which are only available electronically, you can elect to receive payments electronically or by check. Nursing Home Benefit If you are confined to a nursing home, you may qualify for a waiver of surrender charges under this benefit if: Confinement begins at least one year after contract issue. Confinement continues for at least 60 consecutive days. The surrender is made while you are confined. Written proof of confinement is received at the Administrative Office. Terminal Illness Benefit If you become terminally ill, you may qualify for a waiver of surrender charges under this benefit if: The illness or physical condition results in a life expectancy of 12 months or less. The terminal illness is diagnosed at least one year after contract issue. Written proof of the terminal illness is received at the Administrative Office. Unemployment Benefit If you become unemployed, you may qualify for a waiver of surrender charges under this benefit if: Unemployment is not a result of resignation, retirement (whether voluntary or mandatory), or voluntary forfeiture of salary, wages, or employment income. You are registered with the state unemployment office or other recognized employment agency. You are under age 65 at the time of the written request. Unemployment begins after contract issue. Unemployment has continued for at least 30 consecutive days. The surrender request is made while you are unemployed. Written proof of unemployment is received at the Administrative Office. Home Health Care Benefit If you require home health care services by a licensed home health care provider as a result of being impaired in performing two of six activities of daily living (bathing, dressing, transferring, toileting, continence, and eating), you may qualify for a waiver of surrender charges under this benefit if: Home health care services begin at least one year after the contract issue date. 6 SpectraMark Flexible Premium Fixed Deferred Indexed Annuity
7 If you need regular access to your account values, systematic income is available on an annual, semiannual, quarterly, or monthly basis. Impairment in two of six ADLs has continued for at least 60 consecutive days. The surrender request is made while you are receiving home health care services. Written proof is received at the Administrative Office indicating (1) impairment in performing two of six ADLs, (2) the need for home health care services as result of the impairment, and (3) impairment is expected to last 90 days from the date of request. Surrender Charges Please note that a charge may be assessed for a surrender or withdrawal. The charge is applied as a percentage of the account value surrendered. (Surrender charges vary by product version. Refer to the enclosed product insert for applicable surrender charges.) Annuity Payment Options An annuity payout option may be selected by the owner or beneficiary for receiving annuity payments over a fixed period, in a fixed amount, or over the lifetime(s) of the designated person(s). The following options are available for contract holders or beneficiaries who elect to annuitize: Income for fixed period. Life income with guaranteed period. Life income. Joint and contingent life income. Joint and survivor life income with guaranteed period. Joint and survivor life income. Life income with lump sum refund at death. For annuity payment options with a guaranteed period, the minimum payout period is five years and the maximum is the lesser of 25 years or the life expectancy of the annuitant(s). For all annuity payment options, the annuitization amount is based on the account value at that time less surrender charges SpectraMark Flexible Premium Fixed Deferred Indexed Annuity 7
8 Income Security Rider SM The Income Security Rider SM guaranteed minimum withdrawal benefit (GMWB) rider packaged with your annuity guarantees a lifetime of income without annuitization and provides enhanced income if you become impaired in performing two of six activities of daily living (ADLs). If after guaranteed minimum withdrawal payments begin, the account value is subsequently reduced to $0, the rider guarantees lifetime income* provided excess withdrawals have not been taken. Withdrawal payments may be taxable. You should seek the advice of a tax professional. How the Income Security Rider SM Works The guaranteed withdrawal payment amount is a percentage of the income base. The income base, which does not include the premium bonus and is tracked separately from the account value, is the greater of: Initial premium, plus an income base bonus. Premium growing for up to 10 years (up to 20 years if restart is elected) at the roll-up rate(s) compounded. Step-up: A step-up occurs when the income base is increased to the account value, if larger. The step-up is automatic and is available each contract anniversary during the guaranteed minimum withdrawal benefit withdrawal period. Any increase in the income base will result in an increase in the guaranteed withdrawal payment. Accumulation Period: This is the period between contract issue and the date withdrawal payments begin. During this period, the income base can grow as defined above, adjusted proportionately for any withdrawals taken prior to the date guaranteed withdrawals begin. If the income base grows, the guaranteed withdrawal payment will also grow. Restart:** If you find you don t need to begin rider withdrawal payments during the initial 10-year roll-up period, you have the option to restart a new 10-year roll-up period between the start of the sixth contract year and the end of the 10th contract year. The restart, where available, must be elected on a contract anniversary. If no restart is elected, the accumulation period ends. A new roll-up rate and rider charge is declared when restart is elected. Withdrawal Period: Starting in the second contract year and once the annuitant (or younger annuitant in case of joint annuitants) turns age 50, rider withdrawal payments can be made each contract year and must be $100 or larger. Rider payments may start and stop at any time. Payments count toward any free partial withdrawals available under the contract and reduce the annuity value. Withdrawals may be taken up to the guaranteed withdrawal payment amount, which is the maximum amount that can be withdrawn each contract year without negatively affecting the income base. The guaranteed withdrawal payment amount is calculated by multiplying the income base * If you elect annuitization under the contract, you must select a lifetime payment option as defined in the contract in order to receive payments for life. ** May not be available in all states. 8 SpectraMark Flexible Premium Fixed Deferred Indexed Annuity
9 by the guaranteed withdrawal percentage and is based on the owner s age at the time guaranteed minimum withdrawal benefit payments begin. See the Income Security Rider insert for current withdrawal percentages. If the income base grows, the guaranteed withdrawal payment will also grow. Enhanced Guaranteed Withdrawal Payment: An owner who is impaired in performing two of six activities of daily living (ADL) bathing, dressing, transferring, toileting, continence, and eating may request enhanced guaranteed withdrawal payments if: The impairment began at least one year after contract issue. The rider has been in force for five years, and the annuitant (or younger annuitant in the case of joint annuitants) has attained age 60. No premiums have been paid into the contract for at least three years before the request for enhanced benefits. The annuitant is a U.S. resident on the date the enhanced benefit is approved. Written proof is received at the Administrative Office indicating (1) impairment in performing two of six ADLs, (2) the need for an appropriately licensed professional to provide care related to the impairment, and (3) impairment is expected to be permanent. If an annuity owner who meets eligibility criteria is currently receiving guaranteed withdrawal payments, the payment amounts will change to the enhanced guaranteed minimum withdrawal benefit. See the Income Security Rider for current Enhanced Guaranteed Withdrawal Percentages. If the owner is no longer impaired or the account value is zero (assuming no excess withdrawals have been taken), the payment amount will revert to the standard guaranteed withdrawal benefit payment amount. Rider Cost: Annual rider charges are calculated as a percentage of the income base on the contract anniversary after interest has been credited (see your contract information page for details). Joint Annuitants: Income under the rider can be based on the lives of two people provided they are joint annuitants and legal spouses. In the case of joint annuitants, the guaranteed withdrawal percentage is determined by the age of the younger of the two annuitants at the time income payments begin. The guaranteed withdrawal payment is guaranteed to be paid until the death of the second annuitant. Spousal Continuation: If the rider is in the accumulation period on the date of the first owner s death, the rider will continue if the surviving spouse continues the contract. The guaranteed withdrawal percentage will be based on the surviving spouse s age, single annuitant, at the time income payments begin. If the rider is in the withdrawal period, guaranteed withdrawal payments will continue based on the same annuitant s age as it was at the time of owner s death, and will increase upon step-up. Excess Withdrawal: An excess withdrawal is a withdrawal that causes the total withdrawals for the contract year to exceed the guaranteed withdrawal payment amount. The income base will be reduced in proportion to the reduction in the account value. The guaranteed withdrawal payment amount will be recalculated following an excess withdrawal. Depending on the amount of the withdrawal, surrender charges and other penalties may apply. Required minimum distributions attributable to the contract and in excess of the guaranteed withdrawal payment will not be considered excess withdrawals. Termination: The rider terminates, and charges cease, when any of the following occur: The annuity terminates for any reason. Annuitization. Owner cancels the rider (may be cancelled at any time SpectraMark Flexible Premium Fixed Deferred Indexed Annuity 9
10 or after the first year, depending on your state). Receipt of proof of death. Enhanced Legacy Rider (ELR) Under this rider, also known as the Enhanced Guaranteed Minimum Death Benefit Rider, you can rest assured knowing your beneficiaries are protected with an additional level of death benefit payout options. With the ELR, which, together with the Income Security Rider, is packaged with your annuity at an additional cost,* beneficiaries have a choice between a lump-sum payout or a payout that includes the income base.** Rest assured knowing your beneficiaries are protected with an additional level of death benefit payout options. Option 1: Lump Sum The amount payable as a result of the death of an owner (or first owner, if joint owners) before the maturity date is the greater of: Total account value. Minimum guaranteed surrender value. Initial premium plus premium bonus growing up to 10 years or until age 85 (whichever comes first) with simple interest. Option 2: Income Base Your beneficiaries can choose to receive a Guaranteed Minimum Death Benefit equal to the greater of: Minimum guaranteed surrender value; or The greater of initial premium plus income base bonus, or premium growing up to the earlier of 10 years, the date of death, or any specified withdrawal period in the contract; with compound interest at the rate shown on your contract information page. * Rider cost: Rider charges are equal to the rider charge percentage on the contract information page multiplied by the rider death benefit on the contract anniversary. ** The death benefit payable will be adjusted proportionally for any withdrawals previously taken. 10 SpectraMark Flexible Premium Fixed Deferred Indexed Annuity
11 The Guaranteed Minimum Death Benefit for the option that includes the Income Base is payable over no less than five or 10 years, depending on your age when the contract was issued. To Learn More, or for Customer Service For information on current rates, account values, or to discuss changes to your insurance and financial needs, we recommend you contact the insurance professional who helped you establish your SpectraMark annuity. We also invite you to contact our Policyholder Services Department toll free at , Monday through Friday. Fidelity & Guaranty Life Insurance Company Incorporated in 1959, Fidelity & Guaranty Life Insurance Company has a solid commitment to serving the individuals it knows best middle market consumers seeking safety, protection, accumulation, and income features of secure life insurance and annuity products. Fidelity & Guaranty Life offers its series of focused life insurance and annuity products through its network of independent marketing organizations. Insurance products are offered through Fidelity & Guaranty Life Insurance Company in every state other than New York, as well as in the District of Columbia. In New York, products are offered through a wholly owned subsidiary, Fidelity & Guaranty Life Insurance Company of New York SpectraMark Flexible Premium Fixed Deferred Indexed Annuity 11
12 The Minimum Guaranteed Surrender Value equals 87.5% of all premium payments, minus withdrawals and monthly deductions as they occur, all accumulated at the minimum guaranteed interest rate cumulative for the life of the contract. The minimum guaranteed interest rate is between 1% and 3%. Provisions and riders may have limitations, restrictions, and additional charges. S&P 500 is a trademark of the McGraw-Hill Companies, Inc. and has been licensed for use by Fidelity & Guaranty Life Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the advisability of purchasing the Product. Indexed interest rates are subject to a cap. Caps 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 rates. You are purchasing a fixed indexed annuity contract that provides minimum guaranteed surrender values. You should understand how the minimum guaranteed surrender values are determined and the product features used to determine the values. Even though the annuity s values may be affected by external indices, the annuity contract is not an investment in the stock market and does not participate in any stock, bond, or equity investments. Withdrawals may be subject to income tax and IRS penalty tax if made before age 59½. Consult your tax advisers regarding your unique situation. Product distributed by Contracts issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD. Fidelity & Guaranty Life Insurance Company offers a diverse portfolio of fixed and indexed interest annuities and optional additional features. Before purchasing, consider your financial situation and alternatives available to you. Subject to state availability. Certain restrictions may apply. This product is offered on a group or individual basis as determined by state approval. Form Numbers: ACI-1013(02-11), API-1013(02-11), ACI-1018(06-11), API-1018(06-11), et al. Legacy Marketing Group dba: Legacy Marketing Insurance Services (CA Only) 2090 Marina Avenue, Petaluma, CA No bank guarantee. Not FDIC/NCUA/NCUSIF insured. May lose value if surrendered early. This document is not a legal contract. For the exact terms and conditions, refer to the annuity. FG1540v
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