New Allocation Option on FG Life-Choice

It is with great pleasure to announce a new allocation strategy to the FG Life-Choice FIUL product!! This new allocation strategy is based upon using the S&P 500 Index One Year Annual Point to Point with 100% Participation Rate with a current Cap of 6% but with a Guarantee Interest Rate of 3%. Basically, this new allocation strategy is ideal for your client who has a more conservative risk tolerance level in that they are willing to give up some of the upside potential with a lower Cap than what is normally offered on a FIUL product, but receive a higher guarantee interest rate than what is normally provided on a FIUL product.

This new allocation strategy will be available for new FG Life-Choice sales effective October 31, 2014 and later. Attached is the flier and the link to the email that will be sent out to our field force later today. (

Also, because of this new allocation strategy being offered on FG Life-Choice, we are also introducing a new life application that will allow the agent to select this new allocation strategy for their FG Life-Choice clients. This new life application will be used not only for FG Life-Choice but also for FG Life-Elite sales. The application for FG Life-Heritage will remain the same. This new life application will also be available for use on October 31, 2014. Attached is the flier and the link to the email that will be sent out to the field force on Friday, October 31, 2014, informing them of this new life application. Please note that we will not accept any FG Life-Choice or FG Life-Elite new business written on the old application after November 21, 2014.

Please feel free to contact myself at or Dennis Sudac at should you have any questions. Thank you for your business and loyalty to FGL!!!