Key Highlights
- Life Insurance Expertise: Fidelity & Guaranty Life Insurance Company (F&G) has been offering life insurance products that provide peace of mind to families across the United States for decades.
- Diverse Annuity Selection: Their portfolio includes innovative annuity products like Fixed Indexed Annuities and Pension Risk Transfer options tailored to ensure steady cash flow.
- Commitment to Customer Focus: F&G prioritizes customer satisfaction and delivers solutions to meet unique financial goals through financial advisors.
- Rich Legacy: As a subsidiary of Fidelity National Financial, F&G draws strength from over 60 years of insurance industry expertise.
- Comprehensive Financial Planning: F&G empowers individuals with strategies for income and retirement planning, giving them greater security and comfort.
Introduction
It can be hard to know where to start when you look at life insurance and annuities in the United States. But Fidelity & Guaranty Life Insurance Company (F&G) makes things easier. This life insurance company is well-known for its products and puts customers first with its services. Many people trust F&G as their insurance company because it brings peace of mind and security. If you need support for unexpected health care or you want to get ready for your retirement, F&G can help to build up your financial future.
If you are looking for life insurance, or want help with your plans, Fidelity & Guaranty Life Insurance is by your side. Let’s see how this insurance company helps you meet your needs and your goals.
Understanding F&G Life’s Legacy and Mission
Fidelity & Guaranty Life Insurance Company (F&G) is based in Des Moines, Iowa. This insurance company is known for leading the way with life insurance and annuity options. F&G is a subsidiary of Fidelity National Financial. The company aims to meet the financial needs of people in the US.
The mission of Fidelity & Guaranty Life Insurance Company is to help Americans plan for a good retirement. They work to give you peace of mind with new and better products and useful strategies. With a lot of experience and strong values from their parent company, Fidelity & Guaranty Life Insurance Company stays a trusted choice for people wanting financial security.
Company History and Milestones
F&G started in 1959. The company first offered life insurance, helping many families in the United States build financial security. F&G was first set up in Baltimore, Maryland. Later, they moved to Des Moines, Iowa. Des Moines is known for having many strong financial services companies, so it was a good place for F&G to grow.
In 2017, F&G became a wholly owned subsidiary of FGL Holdings. FGL Holdings is part of Fidelity National Financial. This new step gave F&G more support and helped the company offer new life insurance products, like Fixed Indexed Annuities.
Over the years, F&G changed along with the market but always kept its focus on customers and finding new ways to help them. Because of this, F&G has a strong name in the insurance business. Today, the company helps close to 700,000 policyholders in the United States and the District of Columbia.
Core Values and Customer Focus
At the center of Fidelity & Guaranty Life Insurance Company is its promise to keep customers happy. F&G is built on the values of honesty, new ideas, and being open with people. The company makes sure that every product, whether it is a life insurance policy or an annuity, is made for people to feel at ease and gain peace of mind. For this insurance company, putting you first is what matters most.
CEO Chris Blunt leads Fidelity & Guaranty Life Insurance Company’s push to turn any problem into a personal solution for you. The company always works to help people reach financial freedom and do so without unneeded worry. Having the right life insurance policy or annuity with F&G can help you reach those goals.
What makes F&G stand out in the world of life insurance and financial tools is how clear they are. You can trust their team because they focus on meeting each person’s real needs—things like handling health bills or making sure you have enough for retirement. They use new ways to help people and show, again and again, that you can count on Fidelity & Guaranty Life to make the idea of financial protection easy to understand. They want to support you every step of the way.
Overview of F&G Life Insurance Products
F&G has a range of life insurance products made to help people secure their financial future. These life insurance plans offer both a death benefit and a way to grow your account value, based on what you need. The policies are there to help you handle risks, like unexpected costs.
You can find different solutions at F&G, including pension risk transfer options. These help keep things stable when it’s time to move responsibilities from one place to another. F&G works closely with financial advisors to create life insurance products that fit your goals. Their work helps families get peace of mind, even when life is uncertain. We will look more at these options below and explain each one for you.
Term and Whole Life Insurance Options
F&G gives you both term life insurance and whole life insurance choices. These plans are made to fit the different needs people have. They give you security in the ways that matter most:
- Affordable Protection: Term life insurance gives you basic coverage for a set time. This is a good choice for younger people or anyone who needs to watch their budget.
- Lifetime Value: Whole life insurance builds cash value as time goes by. You get both a death benefit and money that can help you in the long run.
- Unexpected Health Care Mitigation: Some plans help with big costs, like if you need nursing care that meets certain conditions.
- Flexible Policy Customization: F&G lets you and your advisor make the policy work for your stage in life and your money plans.
There are so many surprises in life now. With these life insurance choices, your family can get good support. These plans help keep your loved ones safer during important times.
Key Features and Benefits for Policyholders
Fidelity & Guaranty Life Insurance Company gives many strong reasons for people to choose its life insurance plans. The main focus is to give you financial strength, while still letting you keep some options open.
| Feature | Benefit |
|---|---|
| Death Benefit | Gives money to your loved ones if something happens to you and you pass away. |
| Account Value Growth | Lets your account value go up over time through earned interest and options linked to the market. |
| Cash Flow Flexibility | Gives you the chance to take out some money or a loan if you need it, based on how much your account is worth. |
| Peace of Mind Guarantees | Adds extra safety features, like helping with health costs for some serious illnesses. |
These benefits help keep your money safe and give you good support as time goes on. It makes it easy to pick Fidelity & Guaranty Life Insurance Company when you want a life insurance company you can trust for peace of mind, a steady account value, flexible cash flow, and a strong death benefit.
Spotlight on F&G Annuity Solutions
F&G is good at giving people many different annuity products. These are made to help with money worries, so you can feel safe about your future. They have well-known Fixed Indexed Annuities and Immediate Annuities. All of these are made to help you get a steady cash flow and to meet your needs after you stop working.
Their advanced pension risk transfer options let businesses pass future payment duties to F&G. You can get these annuity products in every U.S. state, but not in New York. With F&G’s annuity choices, people can work on building a strong money base and feel sure they will have enough when needed. Next, let’s talk about these annuity types and what each one can do for you.
Fixed Indexed Annuities Explained
Fixed Indexed Annuities (FIAs) from F&G be their top products. These plans give stable account value and let you grow your money in a way linked to the stock market. Here is what makes them different:
With FIAs, you can pick from interest choices that follow stock market indices. This lets you get steady returns without losing your main money. The money you make from it will stay tax-free as long as you keep it in there. When needed most, such as when you are very sick with a terminal illness, you will have access to the account.
FIAs stand out because they promise you income for life. This guarantee gives you peace of mind when you make a retirement plan. People all over the united states like them. If you want to keep your money safe but still want to make more, this can be a good way for you to look after your future.
Income and Retirement Planning with F&G
F&G gives you retirement solutions that can help make long-term planning easier. The main features are:
- Guaranteed Payments: With immediate annuities, you know money will come into your retirement fund regularly.
- Health Cost Coverage: You get help for your healthcare costs, even after you go into nursing care that qualifies.
- Flexible Payment Structures: You can decide if you want a big pay-out all at once, smaller checks over time, or payments that keep up with inflation.
- Stability Through Pension Transfers: Businesses make sure their workers will get retirement pay that is centered on what employees need.
With these choices, F&G can help you and others who plan for retirement. The products let you have peace of mind while you go through this time in your life.
Conclusion
To sum up, F&G Life is a company that really cares about its mission and values. It always wants to give you the best service and attention. This company has been around for a long time, and it offers a wide range of insurance products. It is there for you if you need life insurance or an annuity.
Knowing what they offer can help you make good choices about your money and your plans for the future. When you go with F&G Life, you pick a team that stands by you through all the ups and downs in life. If you need more help or want advice that fits your needs, just reach out to their customer service team.
Frequently Asked Questions
What types of life insurance does F&G offer?
F&G offers term life insurance for those who want affordable protection and whole life insurance for those who want to be covered for their whole life. Both of these life insurance plans help give a death benefit to the people you care about if something happens to you. The plans can also help your money grow while giving you some extra policyholder protections. You can get these life insurance options anywhere in the United States. Both choices can be changed to best suit your own needs.
How do F&G annuities help with retirement planning?
F&G’s annuity products, including Fixed Indexed Annuities, give you steady cash flow. You can see your money grow without having to pay taxes right away. With these annuity products, you also have access to health benefits. They help make sure that you get a steady income for all your retirement years and bring peace of mind at this time in your life. These options have features that give good financial security for both people and businesses.
Can I customize my F&G policy to fit my needs?
Yes, F&G lets people with their life insurance choose what they want in a plan. You work with a financial advisor to do this. You can change your plan by looking at the account values, benefits, and your long or short-term goals. This way, the plan can fit what you or your family need, and you do not lose any of the safety the plan gives you.
What is the claims process like with F&G Life?
The claims process at Fidelity & Guaranty Life Insurance Company is made to help customers. If you have a policy with this life insurance company in the United States, you will get good customer service when it is time to claim. When someone needs to use the death benefit, the team is there to help you. They want to make it easy and quick for you at this important time. The insurance company, Fidelity & Guaranty Life Insurance, works to be fast and caring for all their life insurance needs.
How do I contact F&G customer service in the United States?
To get in touch with F&G customer service, you can call them at 888-780-7676. They have main office locations in Des Moines, Iowa and New York. If you are a policyholder, you can reach out to get quick help with things like your account or guidance with making a claim.