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ForeRetirement IVSMVariable AnnuityIssued by Forethought Life Insurance CompanyRemember your Best Days

Retirement risks you can’tYou’ve waited for this. You’ve dreamed of what it will be like. And you’ve invested andsaved responsibly. Yet obstacles remain that can threaten your security in retirement.Among them, three pose especially challenging risks today:1 Living longer than you thinkl2 Persistent low interest ratesl3 Market volatilitylBefore you can plan to overcome them, however, you must first understand them.1The paradox of a long lifeOne of the most basic factors in successfully funding your retirement is determininghow long you need to support yourself, as an individual or couple. People are livinglonger, which is great for you and your loved ones. You deserve a long and fulfillingretirement after years of hard work, right? The question is, can you afford it? You mayspend decades in retirement, unexpectedly risking depletion of your assets.Given these statistics, growth potential of retirement assets and predictable lifetimeincome are essential. However, that creates some other challenges.Life expectancy at age 65(average for both sexes)AgeAgeAgeAge84.1Percent of older age (65 )population over age e: “The Older Population: 2010,” US CensusBureau, November 2011.2010%increase in 30 yearsSource: “Census Bureau Releases Comprehensive Analysisof Fast-Growing 90-and-Older Population,” US CensusBureau, November 17, 2011.

afford to ignore2The danger of playing it safeAs retirement draws closer, many would-be retirees lose their appetite for equityrisk and seek the “safety” of fixed-rate crediting options, such as CDs, which areFDIC-insured, and bonds. Today, dangers lurk within these “safe” options. In alow interest rate environment, the assets may renew at lower rates than whenpurchased. In addition, the “growth” provided is often not even enough to keeppace with inflation. So while the assets are protecting principal, their purchasingpower is declining.A challenging dilemmaThis chart compares five-year CD rates and theConsumer Price Index as a measure of inflation. Youcan see how the gap between rates and prices hasbeen expanding. Even though money is growing, it’spurchasing power is actually decreasing. How longwill this trend continue? How will interest ratescompare to inflation when you -yearCD0.5206.670.010/09Consumer Price IndexDeclining Purchasing Power2.05-year 312/1412/15Source: bankrate.comThe Consumer Price Index is a measure that examines the weighted average of prices of a basket of consumer goods and services,such as transportation, food and medical care. The index is unmanaged and not available for direct investment.There are a multitude of different products that may be accessed for retirement income needs. For example, bonds and variableannuities are securities and have different risk/reward characteristics, liquidity properties and tax consequences, particularly whencompared to products such as CDs. Certificate of Deposits (CDs) are bank products that are FDIC insured.1

3When you lose matters as much asWhat you loseEquities offer the greatest potential for growth that may keep pace with inflation — oreven outpace it to help with lifetime retirement needs. So why do many begin to shyaway from equities as they approach retirement? After all, the growth potential, as wellas the risk of losing money, possibly even principal, is constant. Quite simply, when youlose matters as much as what you lose. If you lose money when you are drawing, or areabout to draw, on that same asset for income, you will exhaust the asset quicker.A tale of two retireesYearJane and John 2,000,000 Invest 500,000 at age 65 Begin taking income in year 1 Withdraw 25,000annually — 5% of theinitial investment Experience the sameperformance, butin reverse orderof each other 1,500,000 1,123,847 1,000,000What a differencetiming makes 500,000 0 0AGE6570758085HypotheticalAnnual %2.74%910.01%-0.57%1010.15% 1%15.63%90This hypothetical chart is for illustrative purposes only and is not indicative of any investment, does not reflectany charges, maintenance fees or taxes over the periods shown. Withdrawals are subject to ordinary income tax.If included, performance would be lower.2

Inadequate OptionsIn light of these challenges, where can you find the guaranteed lifetime incomesources you need for a fulfilling and successful retirement? The most popular sourcesof guaranteed lifetime income — Social Security and defined benefit pensions — aregenerally inadequate and are becoming outdated.Social Security, even for the most affluent workers, cannot support a high-qualitystandard of living on its own. In 2015, the maximum monthly benefit at full retirementage — between 66 and 67 depending on your birth year — is just 2,639 ( 31,668annually).1 Though benefits receive annual adjustments for inflation, they are unlikely tokeep pace with your day-to-day needs.Pensions, particularly for private-sector employees, are rapidly disappearing in favorof retirement accounts, like a 401(k). As of 2013, only 18% of private sector employeeswere offered a pension, a drop of nearly 50% over the 20 preceding years.2If Social Security and pensions have not kept up with the times, you may need a newstrategy to help you retire in light of the retirement challenges of:1 Living longer than you thinkl2 Persistent low interest ratesl3 Market volatilityl1Social Security Administration, SSA.gov, 20152Bureau of Labor Statistics, The last private industry pension plans: a visual essay, William full.pdfGuarantees are based on the claims-paying ability of Forethought Life Insurance Company and assumecompliance with the product’s benefit rules, as applicable.Is there a more modern strategy forlifetime income in retirement?3

Is a variable annuity rightfor you?Variable annuities, when properlyincorporated into an overallretirement strategy, may provideappealing benefits. Contractsoffer: Tax-deferred growth potentialand professional moneymanagement throughunderlying investment options Flexible payout options tohelp meet a variety of incomeneeds Optional income, investmentor legacy guarantees forenhanced financial protectionBefore investing, you shouldconsider the potential risksand costs. Variable annuitiesare subject to the marketfluctuations of the underlyinginvestment options and possibleloss of principal. As a result, thevalue, at any point in time, maybe worth more or less than theamount invested. Furthermore,fees and charges, including salescharges, premium-based chargesand mortality and risk expensecharges, will affect values withinthe contract.Optional benefits are onlyoffered with the purchaseof a variable annuity and arenot available outside of thevariable annuity product. Assuch, you should first consideryour suitability and willingnessto purchase a variable annuitybefore the potential benefitsand costs of any optionalfeatures. Guarantees are basedon the claims-paying abilityof Forethought Life InsuranceCompany and assume compliancewith the product’s benefit rules,as applicable.4New ways to help faceRetirement is seen as a new beginning, not an end.It’s a fresh start when “Maybe tomorrow” becomes“How about today?”ForeRetirementSM variable annuities can help you chaseaway the clouds of doubt in favor of brighter daysahead with modern protection options for modernchallenges.Retirement is all about making the most of your days,and your retirement strategy should be too. Think aboutthe potential each day holds. Our lives are defined bythe days we remember most — weddings, graduations,births. A ForeRetirement variable annuity can help youensure that your retirement strategy remembers thebest days, as well, to make your time in retirement asfulfilling as possible.How much potential does one day hold?Everyday.The humanheart beats100,000times.

retirement with confidenceA ForeRetirement variable annuity with optional benefitshelps to empower you with the ability to:Capture positive performance for income orlegacy purposes, using optional benefitsCustomize a strategy for your personalfinancial objectivesControl your investment allocation to meetyour unique needs in retirementOptional benefits are offered at an additional charge, and investment requirements apply. Optional benefitsare not available in conjunction with Inherited IRA plans.When electing the optional benefits within ForeRetirement that these strategies employ, your investmentmust be allocated among required investment options which are designed to help reduce volatility.Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assumecompliance with the product’s benefit rules, as applicable.A hummingbirdeats theequivalentof half itsweight. 315weddings areperformed inLas Vegas. Your lifetimeretirement incomehas thepotentialto growwith ForeRetirementand an optionalDaily withdrawal benefit.5

Capture growth potential:make each day countForeRetirement offers optional benefits that give you the potential to increase yourbenefit value — either guaranteed withdrawals in retirement or a guaranteed deathbenefit amount — each day. With approximately 250 trading days in a year, the chancesof an optional benefit capturing your variable annuity’s high point in any given year are: 0.4% with an annual capture 1.6% with a quarterly capture 4.8% with a monthly capture 100% with a daily captureWith ForeRetirement, you can choose from several optional daily benefits for the bestchance to leverage your contract’s performance. You can capture daily growth potentialwithin your benefit value using: Daily 5, or Daily 7 optional withdrawal benefits Maximum Daily Value III optional death benefitGuarantees are based on the claims-paying ability of Forethought Life Insurance Company andassume compliance with the product’s benefit rules, as applicable.Everyday.The sun shines for about11 hours a dayin the sunniest city onearth, Yuma, Arizona.v6

Customize with a strategy tomatch your objectivesThe range of optional withdrawal and death benefits available within a ForeRetirement variableannuity helps you customize your annuity in a strategy that aligns with your objectives.Strategies using a ForeRetirement variable annuityand optional benefitsLive StrategyGive StrategyLive & Give StrategyLive withguaranteedlifetime incomeGive with adeath benefitthat capturesinvestmentgains forbeneficiariesLive & Give withthe ability to takewithdrawals andthe potential topreserve a deathbenefitWhen electing optional benefits within ForeRetirement to implement these strategies,your investment must be allocated among required investment options, which are designedto help reduce volatility.Guarantees are based on the claims-paying ability of Forethought Life Insurance Company andassume compliance with the product’s benefit rules, as applicable.7