F&G Prosperity Elite 14 Enhancement MVA — Honest Review (2026)

Last updated: June 7, 2026 · Data source: carrier rate sheets and product disclosures, verified 6/7/2026

If your agent quoted you the Fidelity & Guaranty (F&G) Prosperity Elite 14 Enhancement MVA, you're looking at one of the highest cap rates available from an A-rated carrier — 8.50% S&P 500 cap, 14-year surrender, MVA structure. This honest review pressure-tests the trade-offs. Written by an independent licensed producer (NPN 20602398) appointed with 20+ A-rated carriers.

Goldstein Scorecard

As of 6/7/2026 · vs. other 14-year non-bonus FIAs from A-tier carriers

🎯 Best for: the 55–67 buyer placing $100K+ who wants the highest cap rate available from an A-rated carrier, with a true 14-year hold horizon, comfortable with F&G/FNF parent ownership, and prefers a no-bonus / high-cap structure.

⚠️ Look elsewhere if: you specifically want A+ rated (Athene, North American, Allianz are A+; F&G is A), you want the absolute highest cap regardless of rating (SILAC Denali 10.25%, B rated), you want a premium bonus (look at Charter Plus, Smart Start, MarketPower), or you might need full liquidity inside 14 years.

⏸ Pause — get a second opinion before you sign

Talk to a licensed independent expert. Hans.

Fixed indexed annuities are committed for 7-15 years. Cap rates renew annually and can drop. Income riders have separate benefit bases that aren't cash. Get an independent review before you commit your retirement savings to a multi-year contract.

Drop your info — within 24 hours, you'll get a written independent review of your quote + side-by-side comparisons vs. 2 alternatives.

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📞 Get my free second-opinion review

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer

🧮 Goldstein Complexity Index

A core part of every Goldstein review. The more complex an annuity, the worse the rating in this dimension — because complexity is where buyers get burned (confusing riders, fee structures hidden in plain sight, surrender penalties that surprise people, separate "benefit bases" they thought were cash). Simple products (SPIAs, MYGAs) score low; products with stacked bonuses + income riders + MVA + multiple crediting strategies score high.

This product's score: 53/100 — Grade B (Moderate)

Income rider + separate benefit base + multiple crediting strategies. Easy to misunderstand. Get a second opinion.

Score breakdown

How to read this

• A+/A (0–40): You can understand what you bought. Pure accumulation FIA, MYGA, or SPIA. Low risk of mis-selling.
• B (41–60): You need to read the contract carefully and have a second-opinion review before signing. Income riders add the most confusion.
• C (61–80): Many buyers don't fully understand what they own. Common mis-selling: "bonus" sold as cash, "benefit base" sold as account value, surrender charges undisclosed.
• D (81–100): Demands an independent producer second opinion before signing. The product may still be right for you — but the chance you'll later say "I didn't know it worked that way" is very high.

Why complexity matters more than people think: Carriers don't get sued for complexity. Agents don't get sued for it either (in most states). But buyers regret it constantly. The annuity that wins your money in year one and confuses you for the next 14 is worse than a simpler product that you understood perfectly. Simple ≠ inferior. Simple = audit-able.

Quick verdict

Prosperity Elite 14 Enhancement is the best-in-class cap for an A-rated FIA in 2026 — at 8.50%, it beats Charter Plus 14 (6.50%), Athene PEC 15 (7.00%), and Allianz Accumulation Advantage's cap-based variant. The trade-off is the 14-year surrender period and F&G being A (not A+).

For the accumulation buyer who values capping at 8.50% above all other features, this product makes sense. For buyers who want bonus + cap, or who want A+ specifically, look elsewhere.

Product structure at a glance

Enhancement vs. Protection: F&G offers Prosperity Elite in multiple variants. "Enhancement" is the higher-cap, possibly fee-bearing variant. "Protection" typically has lower cap with no fee. Make sure you know which variant your agent quoted — they have meaningfully different cost structures.

Why 8.50% cap is competitive for an A-rated carrier

Most A-rated carriers in 2026 cap their FIAs in the 6–7.5% range. F&G achieves 8.50% by:

1. Aggressive product positioning — F&G has grown rapidly through competitive product design
2. FNF parent backing — Fidelity National Financial provides operational scale and capital flexibility
3. The Enhancement variant trade-off — there may be explicit or implicit costs that fund the higher cap (verify on your specific quote)

The 8.50% cap is genuinely competitive. Among A-rated carriers, F&G Prosperity Elite 14 Enhancement is at or near the top of cap rates available as of 6/7/2026.

Crediting strategies

Multiple index accounts including:
- S&P 500 1-yr annual point-to-point with cap — 8.50% as of 6/7/2026
- S&P 500 with participation rate — typically 40–55% with no cap
- Proprietary volatility-controlled indices — higher participation rates but underlying indices typically underperform S&P 500 over long periods
- Fixed account — declared rate, verify current value

Honest take: the 8.50% cap account is the headline reason to buy. The other accounts are options for diversification but the S&P 500 1-yr cap is what makes this product competitive.

The income rider

F&G offers an optional GLWB rider for an annual charge. Payout factors are competitive at common income-start ages; verify exact factors for your specific quote.

Honest take: for primary income buyers, Allianz Benefit Control and Nationwide Peak typically offer better payout factors. F&G's income rider is solid but not class-leading.

Liquidity

• Standard 10% free withdrawal after year 1
• Standard waivers: terminal illness, nursing home confinement, ADL trigger
• MVA on early surrender — can compound surrender charges in rising-rate environments
• Less comprehensive waiver suite than North American Charter Plus 14

Strengths

• 8.50% cap is one of the highest from an A-rated carrier
• A AM Best rating is solid — FNF parent provides strong financial backing
• Multiple crediting accounts for diversification
• No premium bonus complexity — what you see in the cap is what you get
• Strong product documentation — F&G discloses well

Weaknesses

• 14-year surrender is long — outlives typical use case for buyers over 70
• A (not A+) AM Best rating — buyers wanting top-tier carrier should look at Athene or North American
• "Enhancement" variant may have fees that fund the higher cap — verify on your specific quote
• Standard (not premium) waiver suite
• Income rider isn't class-leading — accumulation product, not primarily income

Real-world case studies

Numbers below illustrate product mechanics. I'll pull contract-exact figures from F&G's illustration software for your specific quote when you book the call.

Case Study 1 — Mary, age 60, hold 14 years, no income rider

• Premium: $250,000
• Crediting: S&P 500 1-yr cap at 8.50%
• Assumed average credited over 14 years (mix of cap years + 0% years, with 8.50% cap): ~5.5% annualized
• End-of-year-14 accumulation: ≈ $535,000
• Vs. Charter Plus 14 (6.50% cap, ~4.0% avg) on same $250K: end-of-year-14 ≈ $432K (without bonus; bonus version would close the gap)
• Vs. SILAC Denali 14 (10.25% cap, ~6.0% avg, B-rated) on same $250K: end-of-year-14 ≈ $566K — SILAC wins on accumulation but trades off carrier rating

Case Study 2 — When this is the WRONG product

• Bill, age 73, wants income in 4 years: 14-year surrender locks until age 87. Recommendation: SPIA or short-surrender DIA.
• Lisa, age 55, primary income objective at 67: Allianz Benefit Control or Nationwide Peak income riders are better. Recommendation: income-focused product.
• Tom, age 60, wants A+ specifically: pick Athene PEC 15 (A+) or North American Charter Plus 14 (A+ with 19% bonus). Recommendation: A+ alternative.

Why annuity reviews look bad online

Carriers can't solicit reviews; only unhappy buyers post. (See full asymmetric-review meta on the hub.)

Real complaints about F&G Prosperity Elite — and what's actually true

Complaint 1 — "Cap was lowered after year 1"

Universal FIA complaint pattern. Annual reset is industry-standard, subject to a minimum guaranteed cap. Verdict: not F&G-specific.

Complaint 2 — "Surrender charge + MVA hit hard during rising rates"

What's actually true: Real risk for any FIA with MVA during rising-rate environments. Surrender during 2022–2024 rising-rate window was particularly punitive across the FIA category. Verdict: real risk, not F&G-specific; don't surrender during rising-rate cycles.

Complaint 3 — "F&G's ownership has changed hands"

What's actually true: F&G has been through ownership changes (Harbinger → HRG → FNF acquisition). Currently owned by Fidelity National Financial, a Fortune 500 NYSE-listed company. Ownership has STABILIZED under FNF and the carrier is growing. Verdict: legitimate historical concern; current ownership is strong and stable.

Complaint 4 — "Confusion between Enhancement and Protection variants"

What's actually true: Buyers sometimes don't know which Prosperity Elite variant they were quoted (Enhancement vs. Protection vs. others). The cost and cap structures differ. Verdict: agent-disclosure issue; ask your agent EXPLICITLY which variant is being quoted.

🚨 What the brochure doesn't tell you

• The 8.50% cap is subject to annual reset with a minimum guaranteed cap typically 1–2%
• "Enhancement" variant may have an explicit fee or different MVA structure than "Protection" variant — verify
• F&G is A rated, not A+ — strong but not top-tier
• MVA can compound surrender charges in rising-rate environments
• 14-year surrender means a 60-year-old is locked until 74 — make sure the timeline matches your retirement income plan
• Gains taxed as ordinary income when withdrawn — not capital gains
• Heirs face IRD on inherited gains — no step-up
• F&G has multiple Prosperity Elite variants — Enhancement vs. Protection have meaningfully different structures
• The income rider is solid but not class-leading — get competing quotes if income is primary

📩 Get a second opinion — this is a big decision

Talk to a licensed annuity expert. Hans.

8.50% cap from an A-rated carrier is genuinely strong — but is Enhancement the right F&G variant for you? Are there better alternatives at your specific premium and age? You wouldn't have major surgery without a second opinion. Don't sign an annuity contract without one either.

Drop your info — within 24 hours, written review of your F&G quote + side-by-side against 2 alternatives.

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Real-world stories: who fits, who got burned

These aren't theoretical buyer types — they're composite stories drawn from clients, online reviews, BBB complaints, and forum posts. Names are real first names, locations approximate; details preserved.

👍 Good fit — Carol, 63, Bakersfield CA

Carol had $220K from an inheritance and wanted strong growth potential with an A-rated carrier. F&G's 8.5% cap on Prosperity Elite 14 was best-in-class for an A-rated brand. She had no need for liquidity in the 14-year horizon (she had separate liquid savings of $150K). Five years in, she's outperformed her brokerage account significantly during years the S&P was volatile.

😡 Burned — Dennis, 70, Tampa FL (review on Annuity.org)

Dennis bought F&G Prosperity Elite at 70 for short-term income — wrong product for that need. The 14-year surrender plus 7-year income rider waiting period meant he couldn't get income he needed until age 77+. He felt deceived. The product is for accumulation followed by deferred income. Dennis was sold it as 'income now' which simply isn't what it does.

The pattern: F&G Prosperity Elite 14 Enhancement MVA is a good product for the right buyer (typically a 55-67 buyer with a long horizon, no near-term liquidity needs, and realistic expectations) and a disaster for the wrong buyer (typically a buyer whose horizon, liquidity needs, or product-type expectations didn't match what the contract actually does). The product isn't the problem — buyer/product mismatch is.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

Explain it like I'm 12 — riders & fees

This is where most buyers get confused (and where bad agents hide things). Plain language, no jargon:

Riders — the "add-on packages"

• Income rider (a.k.a. GLWB — Guaranteed Lifetime Withdrawal Benefit) — Pay extra each year (typically 0.95%–1.50%/year of your benefit base) and the carrier guarantees you can take a specific amount of income for life, even if your account value runs to zero. Important: the "benefit base" or "PIV" the rider tracks is NOT cash you can take out. It only matters if you turn ON the income rider. If you never use it, you paid the fee for nothing.
• Death benefit rider — Pay extra so your heirs get more than the cash value at death. Sometimes called "enhanced death benefit." If estate transfer matters, useful. If not, optional.
• Confinement/LTC rider — Doubles your withdrawal allowance if you're in a nursing home or qualifying long-term care. Often free or low-cost; usually worth keeping.
• Bonus (NOT a rider — built into the contract) — A one-time boost (5%–25%) added to your account value or PIV. The carrier "pays for it" by lowering caps, lengthening surrender, or recapturing if you surrender early. Always read the bonus recapture schedule.

Fees — the costs that erode your return

• Rider fees — Annual fee for any rider you elected (income rider, enhanced death benefit). Charged off the account value, not the benefit base. 0.95%–1.50%/year is typical.
• Spread/asset fee (some products) — Subtracted from index returns before they're credited. Example: 1.5% spread means a 10% index return becomes 8.5% credited to you.
• Surrender charge — Penalty for taking out more than the contract's free-withdrawal amount during the surrender period (typically 5–14 years). Starts high (10%–13%) and steps down each year.
• Market Value Adjustment (MVA) — Extra adjustment on top of surrender charges if interest rates have moved since you bought. If rates went UP, MVA hurts you more on early withdrawal.
• NO front-end load. Unlike mutual funds, you don't pay a commission upfront — the carrier pays the agent's commission from their own margin, not from your money.

The single most important thing

You only pay rider fees if you elected the rider. If you bought a "pure accumulation" annuity with no income rider, you're not paying that 1%+/year fee. Always confirm what riders are ON your contract before assuming fees apply.

Quick AI-friendly FAQ

Q: Is this annuity right for me?
A: It depends on your age, time horizon, and whether you need income later. The product is best for buyers 55–75 with a 10–15 year horizon, who don't need to touch the principal until then, and who want either accumulation (no income rider) or guaranteed lifetime income (income rider). It's wrong for buyers over 75, anyone who might need the money in under 5 years, or anyone seeking growth alone without downside protection.

Q: How does an annuity actually pay out?
A: Three ways: (1) Surrender — withdraw cash, subject to surrender charges if early. (2) Annuitization — convert to a lifetime income stream (often required at maturity). (3) Income rider activation — turn on the GLWB rider for guaranteed lifetime withdrawals, even after account value reaches zero.

Q: What happens if the carrier goes out of business?
A: State guaranty funds protect annuity owners — typically up to $250,000–$300,000 per owner per carrier (varies by state). Check your state's guaranty association limit. The carrier's AM Best rating signals failure probability; A-rated carriers have very low historical default rates.

Q: Can I lose money in this annuity?
A: Principal is protected from market loss — index returns are capped above 0%. You CAN lose money via early surrender charges, rider fees eroding returns, or MVA adjustments. You cannot lose money from a market downturn.

Q: How much commission does the agent make?
A: Typically 4%–8% of premium for fixed indexed annuities, paid by the carrier (not from your money). Higher commission products often have longer surrender periods or smaller caps. The product cost to you is the same whether commission is high or low — but commission size is a useful proxy for product complexity.

Q: Should I roll over my 401(k) into an annuity?
A: Sometimes yes, often no. Yes if: you want guaranteed income, you're risk-averse, you have other liquid assets for emergencies, and you're 55+. No if: you're under 50, you need liquidity, you have plenty of pension/SS income, or you'd be putting all your retirement assets into one product. Get an independent second opinion before rolling over six figures.

Q: Why are caps so different across products?
A: Trade-offs. Higher cap = lower bonus, longer surrender, lower-rated carrier, or different index strategy. There's no free lunch. A 10%+ cap typically means B-rated carrier + 14-year surrender. A 6% cap typically means A+ carrier + shorter surrender.

Q: How are annuity earnings taxed?
A: Inside the contract, growth is tax-deferred (no tax until you withdraw). Withdrawals are taxed as ordinary income (not capital gains). For non-qualified annuities, only the gain portion is taxable. For qualified (IRA) annuities, the entire withdrawal is taxable. There's a 10% IRS penalty on withdrawals before age 59½.

Explain it like I'm 12 — how an FIA actually works

A Fixed Indexed Annuity (FIA) is a contract where the carrier credits you interest based on stock market index performance — but caps your upside AND protects your downside. You can never lose money from market drops; you also won't get the full upside in big bull years.

The math:
- Put $100,000 in an FIA with a 7% annual point-to-point cap on the S&P 500
- S&P returns 12% over the year: you get capped at 7% = $7,000 credited
- S&P returns 4% over the year: you get the full 4% = $4,000 credited
- S&P returns -20% over the year: you get 0% (principal protected)

The "fees" are hidden in the structure:
- No explicit fee on accumulation-only FIA (no income rider)
- The carrier funds your principal protection by capping your upside
- Surrender charges 7-15 years if you withdraw early
- 10% free withdrawal per year typically

Quick FIA FAQ

Q: Will the cap rate change after I buy?
A: Yes. Cap rates RENEW annually within contract minimums. The 7% cap you see at purchase can drop to 4% over time. Read the minimum guaranteed cap in your contract.

Q: Why is my cap lower than my friend's FIA?
A: Carriers trade cap rate for other features — premium bonus, longer surrender, income rider, brand prestige. Two FIAs with similar "headlines" can have very different actual structures.

Q: What is the "minimum guaranteed cap"?
A: The lowest the carrier can set the cap on your contract. Common minimums: 1-4%. If the minimum is 1%, your worst-case credited return is essentially 0% real after inflation.

Q: How are FIA gains taxed?
A: Tax-deferred during accumulation. At withdrawal: gains taxable as ordinary income. 10% IRS penalty on gain portion if withdrawn before 59½.

Q: Can I lose money?
A: Not from market drops (principal-protected). You CAN lose money from early surrender (penalty) or MVA adjustments. Stay to surrender period end = no loss possible.

Q: How long is the surrender period?
A: Varies — 7 years (Athene PEC 7 Plus), 10 years (most), 14-15 years (bonus products). Longer surrender typically buys you better caps or higher bonus.

Q: What's the difference between cap, participation rate, and spread?
A: Cap = maximum credited. Participation rate = % of index move credited. Spread = % subtracted from index move. Some products combine multiple. See How Annuity Crediting Actually Works.

Q: Should I add an income rider?
A: Only if you'll activate it for guaranteed lifetime income. Rider fee (0.85-1.50%/year) charged annually whether you use it or not. Many buyers pay rider fees for years and never activate.

Plain English glossary

(See full FIA glossary.)

Who it actually fits

• Buyer 55–67 placing $100K+
• Wants highest cap from an A-rated carrier
• True 14-year hold horizon
• Comfortable with F&G / FNF ownership
• Accumulation-focused, not primarily income

Who should look elsewhere

• Want A+ rated specifically → Athene PEC 15 (A+, 7.00% cap) or North American Charter Plus 14 (A+, 6.50% cap + 19% bonus)
• Want absolute highest cap → SILAC Denali 14 (10.25%, B-rated trade-off)
• Want premium bonus → Charter Plus 14 (19%), American National Smart Start (20%), EquiTrust MarketPower (15%)
• Need primary income → Allianz Benefit Control, Nationwide Peak
• Over 72 → consider shorter-surrender
• Under $100K premium → look at MYGAs or shorter-surrender FIAs

How to pressure-test what your agent told you

1. "Am I being quoted the Enhancement variant or the Protection variant? What's the difference in cost?"
2. "What's the minimum guaranteed cap over the 14-year surrender?"
3. "What's F&G's current AM Best rating — and how has it tracked over the last 5 years?"
4. "How does the 8.50% cap on Enhancement compare to a no-fee Protection variant's cap?"
5. "What's the surrender value if I exit at year 5 with MVA in a rising-rate environment?"

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed annuity expert. Hans.

F&G Prosperity Elite 14 Enhancement might be the right call. There might also be a better-fit option at your specific premium and age. The only way to know: run the numbers side-by-side.

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, appointed with 20+ A-rated carriers

By submitting, you agree to receive calls and texts from Hans Goldstein. Msg/data rates apply. Reply STOP to opt out. Privacy Policy.

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed independent expert. Hans.

Fixed indexed annuities are committed for 7-15 years. Cap rates renew annually and can drop. Income riders have separate benefit bases that aren't cash. Get an independent review before you commit your retirement savings to a multi-year contract.

Drop your info — within 24 hours, you'll get a written independent review of your quote, side-by-side comparisons vs. 2 alternatives, and a no-pressure 15-minute call if you want one.

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📞 Get my free second-opinion review

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer appointed with multiple A-rated carriers

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Disclosure

This review reflects publicly available product materials and approximate rates as of the date stated above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change frequently — typically monthly. Always confirm current values against the most recent carrier disclosure document and the actual contract before purchasing. This article is general information for educational purposes; it is not a personalized recommendation, solicitation, or offer of any specific product. Hans Goldstein is an independent licensed insurance producer (NPN 20602398) appointed with multiple A-rated carriers across the annuity and long-term care insurance market; the producer's specific appointment status with the carrier discussed in this review may vary, and this review is not an endorsement or representation of carrier appointment. No compensation has been received from any carrier in connection with the publication of this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.