Is Global Atlantic a Good Annuity Company?
Yes. Global Atlantic is a large, well-capitalized annuity company with some of the most competitive MYGA rates on the market. Its main issuing company, Forethought Life Insurance Company, holds an A (Excellent) rating from AM Best, affirmed in October 2025.
Global Atlantic is owned by KKR, one of the world’s largest investment firms. That backing helps it price its SecureFore MYGAs near the top of the market, with 10% penalty-free withdrawals each year.
The trade-off is ratings. An AM Best A is one notch below the A+ and A++ held by carriers such as Athene, North American and MassMutual Ascend.
Global Atlantic Annuity Products
Global Atlantic sells multi-year guaranteed annuities (MYGAs), fixed index annuities (FIAs) and income annuities, mostly issued by Forethought Life. Here is the lineup we quote, with live rates and contract terms.
Global Atlantic MYGAs
The SecureFore series locks your rate for 3, 5 or 7 years, starting at $10,000. SecureFore II is the version sold in most states, and the original SecureFore is the California version.
- Terms: 3 years to 7 years
- Minimum premium: $10,000
- Free withdrawals: 10% of the account value each year, starting in year one
- Max issue age: 85
- Market value adjustment: on 4 of 6 (see table)
- Not sold in: NY
| Product | Term | Top rate | Min. premium | Surrender charges by year | MVA |
|---|---|---|---|---|---|
| SecureFore 3 | 3 yrs | 5.65% | $10,000 | 8-8-7% | Yes |
| SecureFore 5 | 5 yrs | 6% | $10,000 | 8-8-7-6-5% | No |
| SecureFore 7 | 7 yrs | 6% | $10,000 | 8-8-7-6-5-4-3% | No |
| SecureFore II 3 | 3 yrs | 5.65% | $10,000 | 8-8-7% | Yes |
| SecureFore II 5 | 5 yrs | 6% | $10,000 | 8-8-7-6-5% | Yes |
| SecureFore II 7 | 7 yrs | 6% | $10,000 | 8-8-7-6-5-4-3% | Yes |
Top rate is the highest premium tier for each product, effective October 12, 2026, from AnnuityRateWatch. Smaller deposits can earn less, and rates vary by state and change without notice.
Download the Global Atlantic SecureFore brochure (PDF).
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Global Atlantic Fixed Index Annuities
Global Atlantic’s FIAs credit interest from market indexes with a 0% floor, so index losses never reduce your account value. ForeAccumulation II is built for growth, and ForeIncome II is built for lifetime income.
- Global Atlantic ForeIncome II: an income-focused FIA with an optional guaranteed lifetime withdrawal benefit rider. Read our Global Atlantic ForeIncome II review.
Global Atlantic Pros and Cons
What we like
- Competitive MYGA rates: SecureFore rates are often near the top of the market
- Low minimum: SecureFore MYGAs start at $10,000
- Penalty-free access: 10% withdrawals each year, starting in year one
- Deep-pocketed owner: backed by KKR, one of the world's largest investment firms
- Broad lineup: MYGAs, accumulation and income FIAs, and income annuities
What to watch for
- One notch below A+: Forethought Life's AM Best A trails A+ and A++ competitors
- Private equity owner: some buyers prefer a carrier owned by an insurer or its policyholders
- MVA on most versions: early surrenders on SecureFore II can be adjusted with interest rates
- Not sold in New York: New York residents need another carrier
- California has its own version: the original SecureFore has slightly different terms
Global Atlantic Financial Strength and Ratings
Forethought Life Insurance Company holds an A (Excellent) rating from AM Best, the third-highest of its 15 levels. S&P and Fitch rate it A, Moody’s rates it A2, and its Comdex score, a composite of the major rating agencies, is 78 out of 100.
AM Best affirmed the ratings of Global Atlantic’s insurance companies on October 23, 2025, according to the AM Best rating announcement.
Ratings are current as of the snapshot date above and can change; verify current standing at ambest.com before purchasing.
Who Owns Global Atlantic?
Global Atlantic Financial Group is owned by KKR & Co. (NYSE: KKR). Most of its annuities are issued by its subsidiary Forethought Life Insurance Company, so you will see that name on your contract.
- 2004, founded inside Goldman Sachs: Global Atlantic began as an insurance business within the investment bank.
- 2014, Forethought acquisition: Global Atlantic bought Forethought Financial, which became its main annuity issuer.
- 2021, KKR acquisition: KKR bought a majority stake and later took full ownership.
KKR’s investment platform is a big part of why Global Atlantic can price its MYGAs aggressively. Some buyers prefer a carrier owned by an insurance company or its policyholders, so weigh that against the rate.
How to Buy a Global Atlantic Annuity
Global Atlantic annuities are sold through independent licensed agents and banks. My Annuity Store is an independent annuity marketplace, not affiliated with Global Atlantic, and we can compare its products with 90+ top annuity companies.
SecureFore MYGAs start at $10,000 and are not sold in New York. If you are weighing Global Atlantic against American Equity, our Global Atlantic vs American Equity comparison puts the two side by side.
Request a free Global Atlantic annuity quote to see today’s Global Atlantic rates beside 90+ top annuity companies, with no obligation.
Frequently Asked Questions
Is Global Atlantic a good annuity company?
Yes. Global Atlantic is owned by KKR, and its main issuing company, Forethought Life, holds an A (Excellent) rating from AM Best. Its SecureFore MYGAs are among the most competitive rates on the market, though its rating is one notch below A+ carriers.
Who owns Global Atlantic?
Global Atlantic Financial Group is owned by KKR & Co. (NYSE: KKR), one of the world's largest investment firms. KKR bought a majority stake in 2021 and later took full ownership.
Is Forethought Life the same as Global Atlantic?
Forethought Life Insurance Company is a subsidiary of Global Atlantic and issues most of its annuities. Global Atlantic bought Forethought Financial in 2014.
What is Global Atlantic's AM Best rating?
Forethought Life Insurance Company is rated A (Excellent) by AM Best, the third-highest of its 15 levels. AM Best affirmed it on October 23, 2025.
What MYGAs does Global Atlantic offer?
Global Atlantic offers the SecureFore MYGA in 3, 5 and 7-year terms, starting at $10,000, with 10% penalty-free withdrawals each year. SecureFore II is sold in most states and the original SecureFore in California.
Is ForeAccumulation II a MYGA?
No. ForeAccumulation II is a fixed index annuity, not a MYGA. It credits interest from market indexes with a 0% floor, while the SecureFore series is Global Atlantic's MYGA.
