Global Atlantic Annuity Review (2026)

Global Atlantic Financial Group has grown into one of the largest annuity issuers in the United States since its acquisition by KKR & Co. in 2021, with an A (Excellent) rating from AM Best and over $150 billion in assets. Formerly operating under the Forethought Life brand, Global Atlantic is known for competitive MYGA rates, a strong FIA income product lineup, and one of the most aggressive growth trajectories in the annuity industry.

This review covers Global Atlantic’s financial strength, MYGA and fixed annuity products with live rates, FIA lineup, and contact information.

Global Atlantic at a Glance

Global Atlantic’s Financial Strength

Global Atlantic holds an A (Excellent) from AM Best, a solid tier that meets the threshold required by most independent agents. The company’s parent, KKR, is one of the world’s largest alternative asset managers with over $500 billion in assets under management, providing substantial institutional capital support.

Global Atlantic Financial Group LLC operates through several issuing subsidiaries. Forethought Life Insurance Company, headquartered at 10 West Market Street, Suite 2300, Indianapolis, Indiana, is the primary entity authorized to do business in all 50 states and is responsible for issuing most Global Atlantic annuity contracts. Accordia Life and Annuity Company and Commonwealth Annuity and Life Insurance Company also issue policies under the Global Atlantic brand in select states, while Global Atlantic Re Limited handles the group’s reinsurance operations. All product features and marketing materials are subject to the issuing subsidiary in your state.

Following its full acquisition by KKR in 2021, Global Atlantic has grown rapidly, fueled by strong investment returns from KKR’s alternative asset management capabilities. The company’s growth rate, it has more than doubled assets in five years, reflects aggressive product pricing and broad distribution expansion. For a rate-conscious client, Global Atlantic’s MYGA products are consistently worth considering.

What Types of Annuities Does Global Atlantic Offer?

• Multi-Year Guaranteed Annuities (MYGAs), Global Atlantic’s ForeAccumulation and SecureFore series provide guaranteed fixed rates across multiple terms. Competitive rates especially for 3-5 year terms.
• Fixed Index Annuities (FIAs), Global Atlantic’s ForeIncome and ForeIndex products offer index-linked growth with optional guaranteed lifetime income riders.
• Single Premium Immediate Annuities (SPIAs), Immediate income annuities for clients who want guaranteed income beginning within one year.

Global Atlantic MYGA Products

ForeAccumulation II

Global Atlantic’s primary MYGA product, available in 3, 5, 7, and 10-year terms. Provides a fixed guaranteed interest rate for the full term with tax-deferred growth. A free withdrawal provision allows annual access to a portion of the account without surrender charges. Minimum premium $10,000.

Global Atlantic SecureFore

A simplified MYGA product designed for straightforward tax-deferred accumulation. Available in select terms through independent agents. Download the SecureFore brochure (PDF).

Global Atlantic Fixed Index Annuity Products

ForeIncome II

An income-focused FIA with an optional guaranteed lifetime withdrawal benefit rider. Multiple index crediting strategies with a zero floor. Designed for clients who want index growth potential with a guaranteed income backstop for retirement income planning.

ForeIndex

An accumulation-focused FIA offering multiple index crediting options without a mandatory income rider. Suitable for clients with a long deferral window who want index growth with principal protection.

Who Is Global Atlantic Best For?

• Rate-focused MYGA buyers who want competitive rates from a large, rapidly growing carrier. Global Atlantic regularly appears in top-rate comparisons for 3-5 year MYGAs.
• Clients comfortable with alternative-asset-backed carriers, KKR’s investment management capability is a genuine differentiator and allows Global Atlantic to offer stronger yields on some products.
• FIA buyers planning for retirement income who want a well-capitalized carrier with competitive income rider designs.
• Agents comparing rate + company growth trajectory, Global Atlantic’s expansion makes it one of the most relevant carriers in the current market.

Global Atlantic Pros and Cons

Here is a balanced look at Global Atlantic’s strengths and limitations for annuity buyers:

Pros

• Solid financial strength with an A-range AM Best rating
• Offers MYGA products with guaranteed rates and predictable returns
• Offers fixed index annuities with growth potential tied to market indexes and downside protection
• Available through independent agents, allowing side-by-side comparisons with other carriers

Cons

• Not the highest-rated carrier available, so buyers should weigh the rate vs. rating trade-off
• Product availability varies by state, so not all products may be offered where you live
• Surrender charges apply during the contract term, which limits liquidity

Frequently Asked Questions About Global Atlantic

Is Global Atlantic a safe company for annuities?

Global Atlantic holds an A-range AM Best rating (A (Excellent)), which indicates a strong ability to meet ongoing policyholder obligations. In addition, annuity contracts are backed by your state guaranty association, which provides a secondary layer of protection typically covering $250,000 per contract. Always verify both the current rating and your state’s coverage limits.

What types of annuities does Global Atlantic offer?

Global Atlantic offers MYGAs, fixed index annuities, immediate annuities through independent agents and financial professionals. Product availability, rates, and features vary by state. Use our rate comparison tool to see what’s currently available from Global Atlantic and competing carriers.

How do I buy an annuity from Global Atlantic?

Global Atlantic annuities are sold through licensed insurance agents and financial advisors. My Annuity Store is an independent platform that can quote Global Atlantic alongside 20+ other carriers so you can compare rates, terms, and financial strength ratings in one place. Request a free quote or call 855-583-1104 to get started.

Which subsidiary issues my Global Atlantic annuity contract?

It depends on your state. Forethought Life Insurance Company is the primary issuing entity and is authorized to do business in New York and most other states. In certain states, your contract may be issued by Accordia Life and Annuity Company or Commonwealth Annuity and Life Insurance Company. Your agent or the policy application will confirm which subsidiary is responsible for your specific contract.

Contact Global Atlantic

Compare Global Atlantic Against Other Carriers: My Annuity Store compares Global Atlantic alongside Athene, F&G, Protective, and 20+ other top-rated carriers. Get a free rate comparison or call 855-583-1104.

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