Learn about Life Insurance and Its Features

Life insurance provides financial protection for your family in the event of your death. There are many kinds of life insurance, but F&G specializes in indexed universal life (IUL). An IUL policy from F&G offers benefits and flexibility that can help you meet your unique financial goals.

Legacy

Permanent indexed universal life insurance helps your family remain financially secure, no matter how long you live.

Aspirations

Indexed universal life can provide an additional, tax-efficient way to save for retirement, your children’s future – or anything else you might need money for down the road.

Living

Living benefits can help financially if you’re diagnosed with a qualifying critical, chronic or terminal illness.

What are your financial goals?

Do you want to protect your family’s income? Are you looking for ways to diversify your savings or prepare for the unexpected? Most people have more than one goal, and F&G offers products designed to help achieve them.

portrait of a father holding their child

Learn why an IUL policy from F&G may be a good choice for your unique needs.

Simple, efficient underwriting

Our underwriting process is streamlined – from application to decision to issuance – to help you quickly get coverage without compromising on quality. Qualified applicants can secure a policy without exams, attending physician statements or telephone interviews.

Interest crediting choices

To help grow your cash value, you can select a fixed-interest option or several strategies linked to market indexes, like the S&P 500^® Index. If you choose a market-linked approach, you are not investing directly in the stock market. We protect you from downside risk, ensuring you will not lose money due to market declines. Both the fixed and indexed choices come with a minimum guaranteed rate of return.

Death benefit options

You have several choices related to death benefit options. You can opt to pass the face amount of your policy on to your beneficiaries, or the face amount plus your account value. Your beneficiaries can choose whether to take payment as a lump sum or in installments.

Optional benefits and riders

You can tailor your policy to your unique needs by selecting from a wide range of optional riders. These include living benefits riders and many others. Rider benefits have limitations, restrictions and additional charges, and may vary from state to state.

Talk to a financial or insurance professional

We’ll help you take the next step in planning your financial future.

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"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.

The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by Fidelity & Guaranty Life Insurance Company. Standard & Poor’s^® and S&P^® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Fidelity & Guaranty Life Insurance Company. These Life Insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

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What is life insurance?