Hey, we get it! You’re tired of the uncertainty of the stock market, and you don’t want to see your entire retirement wiped out by an economic downturn. Who could blame you? You’ve worked so hard throughout your life, and there is no reason why your future should be decided by a roller coaster. Because, while those ups can be fun, the downs can leave you and your family in a serious bind. That’s the major reason why we leave the roller coasters to the theme parks.

The bottom line is, while there are a lot of annuities out there, they all focus on reducing risk. So, those who are done playing the stock market game have the opportunity to lock down something that is much more secure. Do you want guaranteed income to replace those work paychecks that were so reliable? Do you want the opportunity to grow your assets, without exposing yourself to the market risk that plagues so many? If you are nodding your head, an annuity can make a major difference in your life.

So, how do you know which annuity to choose, if they all do different things? Well, anybody who is looking for the opportunity to grow their assets in a safe and effective way should give a second look to the F&G AccumulatorPlus 10 annuity. This is a growth-focused annuity, where you have the ability to grow your assets with the benchmark S&P 500 Index and one of the fixed index annuity industries highest cap rates currently at 6.25% on the annual point to point strategy on the fee version or you have the option of the Barclays Trailblazer Sectors 5 with a participation rate up to 160% with the fee version of the Accumulator Plus

A nice feature of the F&G AccumulatorPlus is that you have a lot of options. Do you want to be super safe with your assets? Simply choose the fixed option, where you receive a guaranteed percentage each year. Do you want to go as market-heavy as possible, without exposing yourself to the risk? Add a fee to your index and improve your participation rates to as high as 160%. And, for those looking for a place in-between those two, you can choose to grow your assets using one of the index-crediting strategies, without adding an extra fee to your annuity, and experience slightly lower growth opportunities with participation rates on the Barclays Trailblazer Sectors 5 Index at 120% in the non-fee version of the Accumulator Plus and the cap rates on the Annual Point to Point S&P 500 Index at 3.75%.

Another good quality of this annuity is that it does not completely write off the other benefits that come with this financial vehicle. If you choose to annuitize your contract at a certain point, you can set up a lifetime of guaranteed income payments. Additionally, this annuity’s death benefit means that you have the ability to leave a legacy to your loved ones. Finally, you can also redeem your contract’s full value in the instances of a terminal diagnosis, or for home health care needs with no surrender penalty incurred.
 

However, it is worth noting that the F&G AccumulatorPlus has its drawbacks. While it is primarily a growth-focused annuity, there are more popular and stronger growth annuities on the marketplace to compare. Additionally, while it does bring a touch of lifetime income, long-term care, and legacy planning options to the table, there are annuities out there that do each of these things in a better way.

Overall, the F&G AccumulatorPlus is a nice growth annuity that may provide you with quality options to safely grow your money. However, it is worth discussing whether there are better options available for those searching for specific qualities from their annuity choice.