F&G Annuities & Life, formerly known as Fidelity & Guaranty Life, has emerged as one of the fastest-growing annuity carriers in the United States, with an A (Excellent) rating from AM Best and over $50 billion in assets. Backed by FNF Group (Fidelity National Financial), F&G has aggressively expanded its MYGA lineup and consistently offered top-tier rates, making it one of the most searched annuity brands among independent agents and rate-conscious consumers.
This review covers F&G’s financial strength, full MYGA and fixed annuity product lineup with live rates, FIA products, and contact information.
F&G Annuities & Life at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | Fidelity & Guaranty Life Insurance Company |
| Brand Name | F&G Annuities & Life |
| Parent Company | FNF Group (Fidelity National Financial, NYSE: FNF) |
| Headquarters | Des Moines, Iowa |
| Founded | 1959 |
| AM Best Rating | A (Excellent) |
| S&P Rating | BBB+ (Good) |
| Total Assets | $50+ billion |
| Products Offered | MYGAs, Fixed Index Annuities |
| States Available | 49 states + D.C. (not available in New York) |
| Minimum Premium | $10,000 (most products) |
F&G’s Financial Strength
F&G holds an A (Excellent) rating from AM Best, a solid tier that clears the minimum threshold most independent agents and financial advisors require for annuity recommendations. Its parent, FNF Group, is one of the largest title insurance and real estate services companies in the country, providing additional institutional backing.
F&G has been one of the fastest-growing annuity carriers in the U.S. market over the past four years, driven by consistently competitive MYGA rates. For a client shopping on rate, particularly one putting $50,000–$200,000 into a 3 to 5-year MYGA, F&G regularly appears at or near the top of rate comparison tables.
What Types of Annuities Does F&G Offer?
- Multi-Year Guaranteed Annuities (MYGAs), F&G’s Guarantee-Platinum series and Heritage+ MYGA products provide guaranteed fixed rates across 3, 5, and 7-year terms. F&G’s MYGA rates are consistently among the most competitive in the market.
- Fixed Index Annuities (FIAs), F&G’s Safe Income series and Prosperity Elite products offer index-linked growth with optional income riders for guaranteed lifetime withdrawals.
F&G Annuities MYGA Products and Current Rates
Live rates from AnnuityRateWatch · Rates updated May 5, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
FG Guarantee-Platinum 3
AM Best A |
3 Years | 4.5% | $20,000+ | Apr 1, 2026 | View Details → |
|
FG Guarantee-Platinum 5
AM Best A |
5 Years | 4.9% | $20,000+ | Apr 1, 2026 | View Details → |
|
FG Guarantee-Platinum 7
AM Best A |
7 Years | 4.95% | $20,000+ | Apr 1, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
F&G MYGA Products
F&G Guarantee-Platinum Series
F&G’s flagship MYGA product, available in 3, 5, and 7-year terms. Provides a locked guaranteed interest rate for the full term with tax-deferred accumulation and a 10% annual free withdrawal provision. Consistently one of the top-yielding MYGA products among top annuity companies. Minimum premium $10,000.
F&G Heritage Plus MYGA
A MYGA with an enhanced interest rate structure for higher premiums. Rate tiers typically kick in at $100,000, making it well-suited for clients rolling over an IRA or 401(k). Available in select terms through independent agents.
F&G Fixed Index Annuity Products
F&G Safe Income Advantage
An income-focused FIA with optional guaranteed lifetime withdrawal benefits. Designed for clients who want index-linked accumulation with a guaranteed income floor. Includes multiple index crediting strategies with an S&P 500 point-to-point option. Download the Safe Income Advantage brochure (PDF).
Who Is F&G Best For?
- Rate-focused MYGA buyers who want top-tier guaranteed rates from an A-rated carrier. F&G consistently ranks in the top 5 for MYGA rates nationally across 3 and 5-year terms.
- Clients with $100,000+ who benefit from F&G’s rate tiers, which meaningfully improve yields at higher premium levels.
- IRA/401(k) rollover clients looking to lock in a strong rate for 3–7 years while preserving principal.
- Agents and advisors who need competitive rates from a carrier with strong distribution infrastructure and a growing market presence.
Note: F&G products are not available in New York state. New York residents should see our full carrier directory for NY-approved alternatives.
Contact F&G Annuities & Life
| Contact Method | Details |
|---|---|
| Website | www.fglife.com |
| Customer Service | 1-800-445-6758 |
| Mailing Address | Fidelity & Guaranty Life Insurance Company 801 Grand Avenue Des Moines, IA 50309 |
| Hours | Monday–Friday, 7 a.m.–6 p.m. CT |
Compare F&G Against Other Top-Rate Carriers: My Annuity Store compares F&G alongside Athene, MassMutual, Protective, and 20+ other carriers. Get a free rate comparison or call 855-583-1104.
Further Reading: Fixed Annuities & Comparisons
Resources to help you compare F&G against other fixed annuity and FIA carriers:
- The Drawbacks of Fixed Index Annuities, Key risks to weigh when comparing F&G FIA products to alternatives.
- MassMutual Ascend American Legend 7 Review, How a competing 7-year FIA with premium bonuses compares to F&G products.
- What Is a MYGA?, F&G also offers MYGA products. This plain-English guide explains how multi-year guaranteed annuities work.
- TruStage (CUNA Mutual) Annuity Review, Another carrier in a similar tier to F&G worth comparing for fixed annuity shoppers.
Related: FIA Sales Leaders: Complete Indexed Annuity Market Data (2015-2025)
Related: FIA Sales Leaders: Complete Indexed Annuity Market Data (2015-2025)
