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F&G SecureBuilderTMFixed Indexed AnnuityDownside protection and growth potentialADV 2452 (10-2020)Not a bank or credit union deposit,obligation or guaranteeFidelity & Guaranty Life Insurance CompanyMay lose valueNot FDIC/NCUA/NCUSIF insuredRev. 06-2022 22-0613Not insured by any federalgovernment agency

Looking for protectionand growth potential foryour savings?What’s insideAn FIA gives you PROTECTION from market losses and principalGROWTH POTENTIAL based on a market index (like the S&P 500 )— without the risk of actually participating in the market.PagesWhat is an annuity?2-34-56-7Annuity basicsLearn about thebasics of annuitiesin generalSecureBuilderExploreSecureBuilderproduct specificsOtherconsiderationsRead about otherthings to considerAn annuity is a long-term retirement tool that can be a cornerstone ofyour financial security and success.PremiumYou pay a premium(think of it as yourprincipal) to F&G.PromiseIn exchange foryour premium, F&Gprovides an annuitycontract that outlinesthe benefits andguarantees youreceive and ourpromise to look afteryour money.PolicyYour financialprofessional will helpyou select the policythat best meets yourneeds: Savings protectionand growth potential Guaranteed lifetimeretirement incomeThis quick reference guide is intended to provide an overviewof the F&G SecureBuilder 5 & 7 (SecureBuilder). It comes withthe Statement of Understanding (SOU) that explains this annuityin detail.The SOU has product information that’s important to help youunderstand this annuity. If you decide to complete an application,your financial professional will ask you to sign an acknowledgementto confirm you’ve read the SOU. If there is any conflict between thisguide and the SOU, the SOU prevails.Read on to learn how SecureBuilder can play an important part inyour financial security.ADV 2452 (10-2020)Rev. 06-2022 22-06132Annuity basicsWhen it comes to your hard-earned retirement savings, does the thought of letting your money ridewith the ups and downs of the stock market give you an uneasy feeling? But you don’t want to missout on sharing in some of the potential gains? A more conservative solution, called a fixed indexed annuity(FIA), may be right for you.

How tax deferral can boost yourgrowth potential even moreAnnuities offer the added benefit of tax deferral1 — which means you don’t pay taxes on the interest as it’searned, only when you choose to withdraw it. 100,000 invested intax-deferred savings(with and withoutwithdrawals) versusafter-tax savings220 Years20% more 200,000 175,000 150,000210 Years10% more2 125,000 100,00010 Years20 YearsTax-deferred savings before any withdrawals (no taxes applied)Tax-deferred savings after a lump sum withdrawal (adjusted for taxes)After-tax savingsThis calculation assumes a 100,000 premium with a 3% effective annual yield, tax-deferred and a tax rate of 33%.Withdrawals are treated as coming from earnings first (taxable) and then as a return of your premium.If you withdraw money before age 59 1/2, you may also pay a 10% penalty to the IRS. You should consideryour personal investment horizon and income tax brackets, both current and anticipated, when making aninvestment decision. It’s likely your tax bracket will change over time.You may exchange one tax-deferred annuity for another without paying tax on the earnings when you makethe exchange. Before you do, compare the benefits, features and costs of the two annuities.You may pay a surrender charge on the annuity you are exchanging, and you may start a new surrendercharge period with the new annuity.12You pay taxes only when you make withdrawals and receive income in the future.Denotes tax-deferred savings before any withdrawals are taken.Now that we’ve covered the basics of annuities in general,let’s talk more specifically about SecureBuilder.3ADV 2452 (10-2020)Rev. 06-2022 22-0613Annuity basicsTo illustrate howtax deferral can reallyadd up over time, thisexample shows:

Is SecureBuildera good option for you?An FIA provides the potential to earn interest linked to the return of an index. It uses a formula, subject tocertain limitations, to credit interest on your account value based on changes in a market index (like theS&P 500 ) with no downside market risk.With SecureBuilderyou get:100% downsideprotection frommarket declinesAny gains areautomaticallylocked in eachcrediting period1 Downside protection from market riskYou are guaranteed not to lose money due tomarket declines2 Interest growth potentialChoose from several options for earning intereston your premium:FIXEDOne fixed interest option(with a guaranteed rate)INDEXED OPTIONSSeveral interest creditingoptions tied to market indexesAny gains are locked in at the endof each crediting period.Tax-deferredsavingsThis means you’ll never have to worry about losing thelocked-in gains you’ve earned, even if there’s a market downturnin the future.Plus, accessfor unexpectedhealth careexpenses whenyou need it mostYou participate in a portion of the index gain, subject to certainlimits called caps and participation rates. More details are availablein the SOU.The index options are linked to the market index, but you are notinvesting directly in the stock market or any index. We protect youfrom downside risk.3 Tax deferralTo help your savings work even harder, interestgrows tax deferred.1 You may have more moneyto compound and grow.Consult the SOU for complete details.1ADV 2452 (10-2020)Rev. 06-2022 22-0613You pay taxes only when you make withdrawals and receive income in the future.4SecureBuilderInterest growthpotential3 reasons you mayconsider SecureBuilder

How downside protection andgrowth potential work togetherTo illustrate performance in both up and down market conditions, this example shows 100,000 investedin an FIA compared to the S&P 500 Index. Downside protection and growth potential work together toensure you don’t have to worry about market volatility.450,000400,000Growth potential at workF&G’s FIAs grow in value when theindex is positive. And, any interestcredits are locked in at the end of eachcrediting period so you don’t lose thegains you’ve built up.350,000300,000250,000F&G’s FIAs guarantee you’ll never haveaC H*02B 85D2Inegative return, even if the marketdoes. In this example, the annuity didnot lose value during the 2008 GlobalFinancial Crisis.SecureBuilder200,000Downside protection at P 500 Index20132015201720192021Fixed Indexed Annuity (30% Par Rate)The hypothetical performance of the illustrated FIA assumes a 100,000 initial premium with no withdrawals taken and a 30% participation rate,using a one-year point-to-point crediting method. The example participation rates, caps and/or spreads may not reflect participation rates, caps and/or spreads currently available. The above graph is based on credited rates for the period 12/31/01 – 12/31/21. Index performance is not indicative offuture results. The index does not reflect dividends paid on underlying stocks.This hypothetical example is for illustrative purposes only and not intended to be the performance of any specific product.AboutF&GAnnuities and Life11959established700,000people protectedF&G has provided retirement products since 1959.Today, we provide annuities and life insurance for over700,000 people across the United States.Our annuities are designed to protect your savings andprovide a steady stream of tax-deferred1 income foryour retirement.You pay ordinary income tax on the interest you’ve earned only when it’s withdrawn or paid out.5ADV 2452 (10-2020)Rev. 06-2022 22-0613

Other considerationsAccess forunexpectedhealth care costs Home health care Nursing home care Terminal illnessAbility to withdrawSee the SOU for details onsurrender charges and MVA.Access your total account value with no surrender charges orMarket Value Adjustment (MVA). If you need home health or nursinghome care, or are diagnosed with a terminal illness, you may accessyour total account value with no surrender charges or MVA. Thediagnosis of terminal illness must occur at least one year after thecontract is issued. In AK, AL, CT, MN, MS, OR, PA, and WA, care orconfinement must begin after the contract effective date. In all otherstates, care or confinement must begin at least 1 year after thecontract effective date. These are defined conditions and benefits, andavailability may vary from state to state.You may withdraw your money at any time. We know you may haveunexpected expenses. After the first year, you have penalty-free accessto 10% of your total account value during the surrender charge period.Any other withdrawals made will incur surrender charges and MVA.Surrender ChargesYears into Guarantee PeriodRMD-friendlyannuity12345678 F&G SecureBuilder 59.00% 8.00% 7.00% 6.00% 5.00% 0.00% 0.00% 0.00%F&G SecureBuilder 79.00% 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 0.00%What is Required Minimum Distribution (RMD)? An RMD is theamount that qualified plan participants must begin withdrawing atage 72. If you need to withdraw above the annual penalty-free withdrawalamount for the purpose of an RMD, F&G will waive any surrendercharge and MVAs.What is a Market Value Adjustment? Any time a withdrawal incurs asurrender charge, an MVA will be applied. The MVA is based on aformula that takes into account changes in the rates since the contractwas issued. Generally, if the rates have risen, the MVA will decreasethe surrender value; if they have fallen, the MVA will increase thesurrender value.Death benefitAnnuitizationADV 2452 (10-2020)Rev. 06-2022 22-0613The MVA does not apply in AK, AL, CT, ID, IL, MN, MS, MO, OR, PA, and WA.Your account value is paid as a lump sum death benefit.You don’t have to worry about outliving your assets – you can turnyour annuity into scheduled payments for life on its maturity date.The maturity date of your SecureBuilder annuity is set when it’s issued.6Other considerations RMDs are required in order to avoid a penalty from the IRS and willbe taxed as regular income.