Global Atlantic ForeAccumulation II 5 overview
The ForeAccumulation II 5 earns interest from the performance of a market index, yet your money is never invested in the market itself. When the index falls during a crediting period, the credit is zero rather than a loss.
Its best S&P 500 1-year point-to-point cap is currently 9.75% at a $100,000 premium, one of 20 crediting strategies on the contract. Every strategy's current terms are in the menu below.
The tradeoff is access and upside. Withdrawals above the free amount face a surrender charge for 5 years, and index credits are limited by caps, participation rates, or spreads.
Crediting strategy menu
These are the carrier's filed rates by premium band, refreshed automatically from our live feed. The Reference cap tag marks the strategy we use to rank this product against its peers.
| Strategy | Method | Rate terms | Premium | In force |
|---|---|---|---|---|
| 1 Year BlackRock Diversa Volatility Control Point to Point with PR | Point-to-point | Participation 140% | $25K - $100K | Jul 8, 2026 |
| 1 Year BlackRock Diversa Volatility Control Point to Point with PR | Point-to-point | Participation 145% | $100K - $1M | Jul 8, 2026 |
| 1 Year Fixed Rate Account | Fixed | Fixed 4.00% | $25K - $100K | Jul 8, 2026 |
| 1 Year Fixed Rate Account | Fixed | Fixed 4.10% | $100K - $1M | Jul 8, 2026 |
| 1 Year Franklin US Index Point to Point with PR | Point-to-point | Participation 120% | $25K - $100K | Jul 8, 2026 |
| 1 Year Franklin US Index Point to Point with PR | Point-to-point | Participation 125% | $100K - $1M | Jul 8, 2026 |
| 1 Year JP Morgan Cross-Asset Strategy Point to Point with PR | Point-to-point | Participation 120% | $25K - $100K | Jul 8, 2026 |
| 1 Year JP Morgan Cross-Asset Strategy Point to Point with PR | Point-to-point | Participation 125% | $100K - $1M | Jul 8, 2026 |
| 1 Year MSCI EAFE Point to Point with Cap | Point-to-point | Cap 9.50% | $25K - $100K | Jul 8, 2026 |
| 1 Year MSCI EAFE Point to Point with Cap | Point-to-point | Cap 9.75% | $100K - $1M | Jul 8, 2026 |
| 1 Year Nasdaq 100 Agile Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.50% | $25K - $100K | Jul 8, 2026 |
| 1 Year Nasdaq 100 Agile Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.75% | $100K - $1M | Jul 8, 2026 |
| 1 Year Nasdaq 100 Agile Point-to-Point with Par | Point-to-point | Participation 70% | $25K - $100K | Jul 8, 2026 |
| 1 Year Nasdaq 100 Agile Point-to-Point with Par | Point-to-point | Participation 75% | $100K - $1M | Jul 8, 2026 |
| 1 Year Nasdaq 100 Point-to-Point with Cap | Point-to-point | Cap 9.00% | $25K - $100K | Jul 8, 2026 |
| 1 Year Nasdaq 100 Point-to-Point with Cap | Point-to-point | Cap 9.25% | $100K - $1M | Jul 8, 2026 |
| 1 Year Nasdaq 100 Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.25% | $25K - $100K | Jul 8, 2026 |
| 1 Year Nasdaq 100 Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.50% | $100K - $1M | Jul 8, 2026 |
| 1 Year PIMCO Balanced Point to Point with Participation Rate | Point-to-point | Participation 170% | $25K - $100K | Jul 8, 2026 |
| 1 Year PIMCO Balanced Point to Point with Participation Rate | Point-to-point | Participation 175% | $100K - $1M | Jul 8, 2026 |
| 1 Year S&P 500 Engle Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.50% | $25K - $100K | Jul 8, 2026 |
| 1 Year S&P 500 Engle Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.75% | $100K - $1M | Jul 8, 2026 |
| 1 Year S&P 500 Engle Point-to-Point with Par | Point-to-point | Participation 80% | $25K - $100K | Jul 8, 2026 |
| 1 Year S&P 500 Engle Point-to-Point with Par | Point-to-point | Participation 85% | $100K - $1M | Jul 8, 2026 |
| 1 Year S&P 500 Point to Point with Locked Cap | Point-to-point | Cap 7.75% | $25K - $100K | Jul 8, 2026 |
| 1 Year S&P 500 Point to Point with Locked Cap | Point-to-point | Cap 7.75% | $100K - $1M | Jul 8, 2026 |
| 1 Year S&P 500 Point to Point with Performance Trigger | Trigger | Trigger 6.75% | $25K - $100K | Jul 8, 2026 |
| 1 Year S&P 500 Point to Point with Performance Trigger | Trigger | Trigger 7.00% | $100K - $1M | Jul 8, 2026 |
| 1 Year S&P 500 Point-to-Point with Cap | Point-to-point | Cap 9.50% | $25K - $100K | Jul 8, 2026 |
| 1 Year S&P 500 Point-to-Point with CapReference cap | Point-to-point | Cap 9.75% | $100K - $1M | Jul 8, 2026 |
| 1 Year S&P 500 Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.00% | $25K - $100K | Jul 8, 2026 |
| 1 Year S&P 500 Point-to-Point with GMAF with Cap | Point-to-point | Cap 7.25% | $100K - $1M | Jul 8, 2026 |
| 2 Year BlackRock Diversa Volatility Control Point to Point with PR | Point-to-point · 2 yr | Participation 210% | $25K - $100K | Jul 8, 2026 |
| 2 Year BlackRock Diversa Volatility Control Point to Point with PR | Point-to-point · 2 yr | Participation 215% | $100K - $1M | Jul 8, 2026 |
| 2 Year Franklin US Index Point to Point with PR | Point-to-point · 2 yr | Participation 175% | $25K - $100K | Jul 8, 2026 |
| 2 Year Franklin US Index Point to Point with PR | Point-to-point · 2 yr | Participation 180% | $100K - $1M | Jul 8, 2026 |
| 2 Year JP Morgan Cross-Asset Strategy Point to Point with PR | Point-to-point · 2 yr | Participation 175% | $25K - $100K | Jul 8, 2026 |
| 2 Year JP Morgan Cross-Asset Strategy Point to Point with PR | Point-to-point · 2 yr | Participation 180% | $100K - $1M | Jul 8, 2026 |
| 2 Year PIMCO Balanced Point to Point with PR | Point-to-point · 2 yr | Participation 255% | $25K - $100K | Jul 8, 2026 |
| 2 Year PIMCO Balanced Point to Point with PR | Point-to-point · 2 yr | Participation 260% | $100K - $1M | Jul 8, 2026 |
Compare all fixed index annuity rates to see how these terms line up against every carrier in our live feed.
Getting your money out
The contract allows 10% out without a surrender charge.
The surrender charge starts at 8.00% in year 1 and steps down to 5.00% in year 5. Those charges apply to the amount you withdraw above the free allowance.
A market value adjustment also applies during the surrender period. It can raise or lower an early withdrawal depending on how interest rates have moved since the contract was issued.
Optional riders
- ForeAccumulation II Enhanced Death Benefit Rider · 0.50%
- ForeAccumulation II Optional Enhanced Death Benefit · 0.75% annually
- ForeAccumulation II Optional Enhanced Death Benefit (Issue Age 71+) · 1.20% annually
To see what a rider would actually pay, run this contract through our income rider calculator.
Who this fits
This contract fits money that can stay put for 5 years and a saver who wants a floor under a portion of retirement savings. It suits dollars that would otherwise sit in bonds or CDs but can accept a range of outcomes in exchange for more upside.
It does not fit an emergency fund or money with a known near-term spending date. A buyer who wants full market upside will find the caps and participation rates limit strong years, and withdrawals before age 59½ can carry a 10% IRS early withdrawal penalty on top of ordinary income tax.
Not sure this is the right fit? Take our annuity guide quiz and we will point you to the product types that match your timeline and your goal.
About Global Atlantic
Global Atlantic holds an A.M. Best financial strength rating of A. An annuity's guarantees rest on the issuing carrier's claims-paying ability, and no annuity is FDIC insured.
The contract is currently filed in 50 states. Availability and product versions vary by state, so confirm your state before applying.
To see how Global Atlantic measures up on size, ratings, and product lineup, compare the top annuity companies we place business with.
For the company's history, ratings, and full product lineup, read our Global Atlantic annuity review.
Other Global Atlantic index annuities
Same carrier, different surrender terms and rate sheets. Caps shown are the best S&P 500 1-year point-to-point cap at a $100,000 premium, refreshed from the same live feed as this page.
| Product | Surrender | S&P 500 1-yr cap |
|---|---|---|
| ForeAccumulation II 7 | 7 yrs | 10.00% |
| ForeAccumulation II 10 | 10 yrs | 9.75% |
Frequently asked questions
What is the current cap on the ForeAccumulation II 5?
Its best S&P 500 1-year point-to-point cap is 9.75% at a $100,000 premium as of Aug 19, 2026. Carriers reprice caps regularly, so treat this as a snapshot of the current rate sheet rather than a permanent number.
How many crediting strategies does the ForeAccumulation II 5 offer?
It currently offers 20 strategies across fixed, capped, participation, and trigger designs. Each strategy has its own current terms by premium band, listed in the strategy menu on this page.
Is my money locked up for 5 years?
Not locked, but charged. The contract allows 10% out without a surrender charge. Withdrawals above that allowance face the surrender schedule shown on this page, plus a market value adjustment.
How does the ForeAccumulation II 5 compare to similar annuities?
It currently ranks #5 of 27 among 5-year & under fixed index annuities in our live carrier feed, ranked by S&P 500 1-year cap at a $100,000 premium. That standing refreshes automatically as carriers reprice.
Is the ForeAccumulation II 5 FDIC insured?
No annuity is FDIC insured. Every guarantee in the contract is an obligation of Global Atlantic, which holds an A.M. Best financial strength rating of A.
How we know what's on this page
Rates, terms & availability
Every number on this page comes from the carrier's filed rate sheets in our live rate feed, refreshed daily. Nothing is typed in by hand, so the figures update automatically when Global Atlantic reprices.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Peer standing
We rank each product's best S&P 500 1-year cap at a $100,000 premium against contracts with similar surrender periods in the same feed. Where a fact is not in the feed, the page leaves it out rather than estimating.
