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Income 150 SEFixed Index AnnuityIssued by ForethoughtLife Insurance CompanyFIA1314(06-20) 2198948.3 2020 Global Atlantic

Keeping promisesGlobal Atlantic is focused on theU.S. life and retirement marketswith a broad range of annuitiesand life insurance options, aswell as reinsurance solutions. AtGlobal Atlantic, tailored products,a strong financial foundation andlong-term-perspective underlieour enduring commitment tokeeping the promises we maketoday — and tomorrow.FIA13141

Create a flexible income strategyRetirement is when the daily grind ends and you can do more of what you want, when youwant. But to afford that kind of flexibility, you’ll need a flexible income strategy.Like most people nearing retirement, you’ve worked hard for decades and achieved astandard of living that you'll want to maintain through your golden years. But will yoursavings be enough to sustain the income you’ll need for the days ahead?If you’re looking to build an income strategy that adapts to your needs, considerIncome 150 fixed index annuity.3Income 150 provides:3 Guaranteed income with flexibilityWhat is a fixed index annuity?Steady income growth is applied annually duringthe five years of deferral before income starts.Plus an added boost is credited if you decide towait 10 years to start your income.3 Personalized growth potentialYou have the ability to grow your moneythrough a broad array of fixed and index-linkedinterest crediting strategies.3 Additional income for the unpredictableAn added income benefit is available for apotential healthcare need at no extra cost.A fixed index annuity orFIA is a long-term savings vehiclethat offers potential growth thatmay be linked to a market index (orindices). FIAs are insurance contracts,not registered securities or stockmarket investments. You are neverinvested in the index itself. FIAstypically feature downside marketprotection which may make themappropriate for people who areunwilling to risk market losses. An FIAmay help offset the ups and downs ofequities (like mutual funds) in aretirement strategy.Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assumes compliance with theproduct’s benefit rules, as applicable.FIA13142

Guaranteed income with flexibilityWith Income 150 , you can grow your income by steady, predictable amountsin the early years – no need to wait decades to see your money grow. Andif your plans change, Income 150 provides additional income growth in thelater years as well.Your Withdrawal Base and how it grows1Your Withdrawal Base is a numerical value used tocalculate your retirement income and is based offthe amount of your Income 150 purchase. Prior toactivating income, the Withdrawal Base grows byguaranteed amounts known as Income Boosts,2which actually begin with a day one 20% bonus. Thebonuses in years two through five add another 7.5%annually.If income is delayed until Year 10, you’ll get anadditional bonus equal to 150% of all of the interestcredits you’ve earned for the first nine years of yourannuity contract, adjusted for withdrawals.12The income benefit is included on date of issue for an annual charge of 1.05% of the Withdrawal Base at the end of each contract year.The Withdrawal Base and Deferral Bonuses, also known as Income Boosts, are not available for cash surrender or as death benefits.FIA13143

Year 1At the startof the firstyear, a bonusequal to20% of yourpremiumis creditedto yourWithdrawalBase. 120,000 225,000 127,500 135,000 142,500 150,000 150,000Years6-9 100,000InitialpremiumDay 1bonus: 20,000Year 2bonus: 7,500Year 3bonus: 7,500Year 4bonus: 7,500Year 5bonus: 7,50020%7.5%7.5%7.5%7.5%Year 10bonus: 75,000150%Withdrawal BaseYears 2-53Year 103For the years 2-5, a bonus equal to 7.5% of yourpremium is credited to your Withdrawal Base.If you havenot yetactivated yourincome, at thebeginning ofyear 10 yourWithdrawalBase willreceive abonus equalto 150% of theinterest yourcontract valuehas earnedduring years1-9.Assumescontract earned 50,000 ininterest by year10 - WithdrawalBase is credited150% of that, 75,000.3Bonuses are provided prior to income election only. Bonuses shown assume no prior withdrawals.Hypothetical example for illustrative purposes only. Assumes no withdrawals prior to income activation. Withdrawals prior to income activation may reduce the DeferralBonuses.FIA13144

Personalize your growth potentialIn addition to providing you with a source of lifetime income, Income 150 may also help yougrow your contract value. While your Withdrawal Base is used to calculate your retirementincome, your contract value is different.Initially, your contract value equals the amount of your Income 150 purchase. For example, ifyou bought a 100,000 Income 150 annuity, your initial contract value would be 100,000.Over time, your contract value may grow through one of many interest crediting strategies,including: A strategy for steady growth: IncomeEvery strategy includes a bailout150 's fixed rate crediting strategy canprovision which is an option tohelp you grow your contract value at asurrender your annuity contractcompetitive annual fixed rate.without penalty, should certainconditions apply.1 Strategies for more growth potential:To learn more about the bailoutThere are also a variety of otherprovision, refer to the Bailoutchoices where the interest yourProvision flyer and/or connect withcontract value may earn is linked toyour financial professional.the performance of an index, such asthe S&P 500 .WHAT IS THE CONTRACT VALUE?The contract value, less any applicable charges, is the surrender value, which is themoney you can walk away with should you decide to cancel, or “surrender” theannuity.2WHAT IS AN INDEX?An index tracks the overall performance of a group of stocks, bonds or othersecurities. An index can be broadly representative of the market or be tied to aspecific sector, such as technology. Indices are used as an objective indication ofmarket performance but are not available to invest in directly.12During any period in which Forethought has a renewal credited rate for any strategy available for reallocation on that contract that is less favorable than the bailout rate,withdrawal charges and Market Value Adjustments (MVA) are waived for any withdrawals during that period.A withdrawal charge and MVA may be incurred if you withdraw all or a portion of your money during the withdrawal charge period.Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with theproduct’s benefit rules, as applicable.FIA13145

Down market protectionNever experience decreases from poormarket performance.Regardless of the interest crediting strategy youselect, you can’t lose money due to poor marketperformance with Income 150 .3 Why? Because you’renot actually purchasing shares of any index, stocks,bonds or other market investments, you're not subjectto the volatility of unpredictable losses.The interest crediting strategy that’s right for youdepends on your personal retirement goals.Your financial professional can help you decide whichoption is the best fit.Guarantees are based onthe claims-paying ability ofForethought Life InsuranceCompany and assumecompliance with the product’sbenefit rules, as applicable.3Early withdrawal charges and MVA mayapply. Withdrawals may reduce any optionalguaranteed amounts in an amount morethan the amount of the withdrawal.FIA13146

Lifetime Withdrawal %3.10%583.65%3.15%593.70%3.20%With Income 150 , you decide when to start603.75%3.25%receiving your income. Your Lifetime Withdrawal613.85%3.35%you’re guaranteed to receive annually. This willbe determined by your age when income startsand whether you wish to cover your life or thelife of you and your spouse.1Your incomewon’t run outAs you start to receive income, your contractvalue is reduced. The withdrawals, up to theguaranteed Lifetime Annual Payment 45.15%4.65%755.25%4.75%765.35%4.85%amount, do not reduce the Withdrawal Base,775.45%4.95%785.55%5.05%allowing your income to remain predictable.795.65%5.15%Don’t worry if your income benefits exhaust805.75%5.25%your contract value. You’re still guaranteed to815.85%5.35%receive the LAP every year until your death825.95%5.45%or, your spouse's death, if joint income was836.05%5.55%elected.2 If death occurs while you still have 86.85%6.35%897.05%6.55%90 7.25%6.75%positive contract value, your beneficiaries willreceive the balance as a death benefit.2SingleLifeStarting your“retirement paycheck”Percentage is how much of the Withdrawal Base1IncomeAge1Age at election of income.Assuming no excess withdrawals.Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with theproduct’s benefit rules, as applicable.FIA13147

Additional income for the unpredictableHelp keep your retirement on track during a healthcare needShould you face a healthcare need, Income 150 has a built-in benefit at noadditional cost. The Income Enhancement Benefit3 provides you additionalincome if you are certified by a healthcare professional as being unable toperform at least two of the six Activities of Daily Living (ADLs). With thisbenefit, your guaranteed annual income amount will be doubled for up to fiveyears.4 Once the Income Enhancement Benefit ends, your income continues atthe original guaranteed amount.Details Available for ages 75 or younger when you purchase the annuity Recertification by a healthcare professional is required prior to yearsthree, four, and five, if applicable. Available for single and joint income5 There is a one-year waiting period and 90 day elimination period priorto receiving benefits.What are activities of daily living?345 Bathing Dressing Toileting Continence Eating TransferringNot available in California. The Rider is not long-term care insurance and is not intended to replace such coverage. It is referred to as the Annual Payment Accelerator Rider in thecontract.The benefit is available only if your contract value is above the minimum allowed under the Income Enhancement Benefit. Once a benefit period ends, a new benefit period is nolonger available.The Income Enhancement Benefit can be used one time only per contract.Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with theproduct’s benefit rules, as applicable.FIA13148

3If you’re looking to build asource of guaranteed lifetimeincome that changes as youdo, Income 150 may help:3 Provide steady bonuses to help growpotential income3 Personalize your growth potential3 Increase your income for the unpredictableTalk to your financial professional to determine ifIncome 150 is right for you and how to best incorporateit into your overall retirement strategy.FIA13149

Global Atlantic Financial GroupGlobal Atlantic Financial Group, through its subsidiaries,offers a broad range of retirement, life and reinsuranceproducts designed to help our customers address financialchallenges with confidence. A variety of options helpAmericans customize a strategy to fulfill their protection,accumulation, income, wealth transfer and end-of-life needs.Global Atlantic was founded at Goldman Sachs in 2004 andseparated as an independent company in 2013. Its successis driven by a unique heritage that combines deep productand distribution knowledge with leading investment and riskmanagement, alongside a strong financial foundation.FIA131410