Gets Their Money to Them Faster!
Wait 10 years to elect income and income payments are boosted temporarily to 8% of the Income Base2
- Single or Joint payout—doesn’t matter
- Age—doesn’t matter
- Health—doesn’t matter
The client’s payout will be equal to 8% of the income base for as long
as there is Contract Value in the contract. After all of the Contract Value
has been paid out, income will continue on a guaranteed basis at a rate
based on the owner’s age at time of income election.
Also applied to Income Base
In the Income Base for up to 20 years4
ENHANCED DEATH BENEFIT
Enhanced Death Benefit can grow to 250% of original premium5
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the Bonus AdvantageSM Product Guide
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1The Optional Income Benefit is available only at issue for an annual charge. 2This increased amount is payable until it exceeds the remaining Contract Value, at which
time the payment will adjust to the amount of the guaranteed lifetime income, which is calculated using the income benefit factors determined by the attained age and
income option chosen on the income start date. 3The 5% Premium Bonus vests over 10 years and is not immediately available for withdrawals or on cash surrender. Rates
subject to change. 46% guaranteed compound accumulation in the Income Base at each Contract Anniversary until the earliest of the tenth Contract Anniversary, age
85, or until income payments start. The Income Base is for determining future income; it does not have a cash value and is not available for cash withdrawals. At the end of
the tenth Contract Anniversary (if the oldest Owner is not yet 80 and has not activated the income benefit), the client can elect to extend the 6% guaranteed compound
accumulation until the earliest of the end of Contract Year 20, age 85, or until income payments start. The Optional Income Benefit annual charge may increase by up to
1.00% of the Income Base. The annual accumulation rate does not apply to the Contract Value or death benefit. 5The Enhanced Death Benefit is equal to the Income
Base (prior to the income start date; reduces thereafter), subject to a cap up to 250% of premium less an adjustment for withdrawals (will be less than 250% for ages 70
and above), and is paid out in equal monthly payments over five years. After the income start date, the Enhanced Death Benefit will be reduced for any lifetime income
payments on a dollar-for-dollar basis. Any withdrawals in excess of the guaranteed lifetime income payments will reduce the Enhanced Death Benefit on a pro-rata basis.
Bonus AdvantageSM, issued by Forethought Life Insurance Company is available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01
and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Read the Contract for complete details. Products and features are subject to state availability.
Guarantees are backed by the financial strength and claims-paying ability of Forethought Life Insurance Company.
FOR AGENT USE ONLY—NOT FOR USE WITH CONSUMERS
© 2012 Forethought 0412