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Thinking ahead. That’s Forethought.SM
Who is Forethought?Forethought Life Insurance Company, a subsidiary of GlobalAtlantic Financial Group Limited, is a forward-thinking issuer oflife insurance and annuities with a history spanning nearly threedecades. We are proud of where we’ve been, as well as wherewe’re going. Most of all, we’re proud to have helped so manypeople along the way and look forward to helping many more aswe widen our reach and expand our offerings.Forethought provides a full suite of annuities and a leadingpreneed life insurance platform to help solve the pre-retirement,retirement and end-of-life challenges facing Americans today.A targeted strategy delivers multifaceted product lines tocustomers through key distribution relationships across thecountry.At Forethought, our experienced leadership and financialdiscipline underlie strong growth and success in the marketplace.Not a bank deposit Not FDIC/NCUA insured Not insured by any federal government agency No bank guarantee May lose value Not a condition of any banking activity
“We are in the business of promises — makingthem and, more importantly, keeping them.”Michael ReardonPresident
Thinking ahead. That’s Forethought.Our MissionAs a subsidiary of Global Atlantic Financial Group Limited, Forethought shares in the company’s mission:We strive to be a leading annuity, life insurance and reinsurance company, delivering long-term value forour customers and stakeholders. We are committed to addressing our customers’ financial protection needsthrough a broad range of innovative products that are built on our unique heritage and expertise in risk andinvestment management.We know you’re thinking ahead, so we are too. AtEach annuity contract and life insurance policyForethought, our mission, our people and our productswe issue is treated as an individual promise to theare all focused on delivering financial solutions tocustomer. We’re not stacking shelves and fillingaddress your specific needs. As you plan for the future,warehouses. We’re keeping promises.we are here to help you solve real-life challenges andinstill confidence for you and your family.
Making a real difference in your financial well-being.We help plan ahead for retirement and beyond. Our comprehensive suite of products and services offersgrowth and protection for pre-retirement, retirement and end-of-life financial considerations. It’s our job tohelp prepare for the predictable and the unpredictable.AnnuitiesLife InsuranceWe understand the growth potential, incomePreneed and final expense products can savepredictability, and asset protection of an annuityfamilies from the financial hardship that oftencan be part of an overall retirement savings strategy.comes with end-of-life expenses. Our productsAnnuities can also help prepare for the unexpected.provide the peace of mind that comes withThat’s why we offer:planning ahead:· Traditional fixed annuities that provide current andguaranteed minimum interest crediting· Preneed policies to meet the needs of thoseplanning and pre-funding their funerals· Index annuities that offer the potential for higherinterest crediting· Insurance assignments that offer quickaccess to insurance policy benefits whenyou need them most· Variable annuities with optional income and deathbenefit features· Long-term care hybrid annuity with the traditionalbenefits of a fixed annuity and enhanced value forqualified long-term care needsGuarantees are based on the claims-paying ability of Forethought Life Insurance Company.2004Keeping promises,then and now.20011996199519921985Total amountof insurance inforce passes 1 billion markForethought beginsoperations as a life insurancesubsidiary of HillenbrandIndustries, a Fortune 500companyTotal amountof insurance inforce exceeds 2 billionLeads the preneedinsurance marketin annual salesTotal amountof insurance inforce exceeds 4 billionForethought FinancialGroup, Inc. becomesan independentcompany
Growing and succeeding through experienced leadership.“We deliver productsthat promise benefitswhen people need themmost, and we manageour business to ensurethat those promisesare kept.”Our people set us apart. We are dedicatedfinancial service professionals working togetherin a culture of innovation, creativity and trust.We employ some of the most highly qualified,experienced and talented professionals in theindustry. Our experience, dedication and culture,combined with our complete product suite, andour commitment to doing what’s right — evenwhen it’s not what’s easy — allows us to be yourvalued partner as you plan for your future.2007Expands nationwidedistribution networkto include marketingorganizations andindependent agentsoffering fixed indexannuities and finalexpense insurance2009Tops 4 billionin assetsSurpasses 1 billion intotal sales2010Celebrates25thanniversaryMichael Reardon, President of Forethought Life Insurance Company,has over 25 years of experience in the financial services industry.Prior to joining Forethought, he was President and Chief ExecutiveOfficer of Goldman Sachs’ life insurance subsidiaries that includedCommonwealth Annuity and Life Insurance Company, First AllmericaFinancial Life Insurance Company and Columbia Capital LifeReinsurance Company. He also served with Allmerica Financial,holding a broad array of positions, culminating in President and ChiefExecutive Officer of their life companies.2011Expandsinto bankdistributionand launchesinnovativehybrid annuity2012Strengthenscommitmentto annuitymarket throughacquisition ofleading annuityplatform20132014Launches variableannuity, expandingthe annuity portfolioand helping to meetthe needs of morecustomers anddistributorsJoins the GlobalAtlantic familyof companiesThat’s Forethought.
Focused on the future, yours and ours.By driving growth from a solid financial foundation, we have the strength to continue keeping promises for along time to come. Forethought Life Insurance Company is highly rated by A.M. Best, a common standard forinsurance company financial strength. You can be confident in the trust you place with us.A-HHHHHAM Best"Excellent”4th highest out of 16ALIRTForethought Life Insurance Company alsosubscribes to the ALIRT service, whichreports on trends impacting the financialperformance of insurance companiesand benchmarks companies againsttheir peers. Forethought has consistentlyoutperformed our peer group.Ward’s 50Forethought Life Insurance Companyhas been named as one of the nation’sTop 50 Highest-Performing Life andHealth Insurance Companies in theprestigious Ward’s 50 annual list forfive consecutive years, 2010-2014.Forethought Life Insurance Company also subscribes to Standard & Poor’s and Moody’s rating services, A- (7th of 21) and Baa1 (8th of 21), respectively.Ratings as of December 31, 2014.Strength from the top downGlobal Atlantic provides scale and strengthwith 40 billion in assetsGlobal Atlantic AssetsIn January 2014, Forethought joined Global AtlanticFinancial Group Limited, a financial services4540and reinsurance markets. Through its family ofbrands — including Forethought, Accordia Life andCommonwealth Re — Global Atlantic offers a broadrange of retirement and protection products, as wellas reinsurance solutions.Global Atlantic was founded at Goldman Sachs in2004 and separated as an independent company in2013. The company today has nine offices and 40billion in assets. in billionscompany focused on the annuity, life insurance3530252015105020112012As of March 31, 2015201320142015
Intrinsic values guiding the way.At Forethought, we partner with distributors to help address their clients’ targetedfinancial needs. We embrace a proactive culture that seeks first to understand realchallenges before devising practical solutions. We look at things from a differentangle — yours.This mindset is rooted in, and grows from, our corporate values, which themselvesare intrinsic qualities of the company and our people. They embody our past and arethe guideposts to our future. While other companies define their values and identifydesirable behavior, we identify the values that innately define our behavior.People. We seek and develop a diverse team of talented individuals who reinforceour culture of excellence.Integrity. We are honest, fair and transparent in all aspects of our business.Teamwork. We take a collaborative approach to problem solving anddecision making.Innovation. We develop creative solutions to proactively meet the changing needsof our clients and our business.Stewardship. We seek to grow and preserve our clients’ and shareholders’ assets byrigorously understanding and quantifying risk and judicious use of capital.That’s Forethought.
Forethought is Forethought Life Insurance Company and its affiliates, subsidiaries of Global Atlantic Financial Group Limited.C5007 7-15100281-4 2015 Forethoughtforethought.com
Forethought Life Insurance Company, a subsidiary of Global Atlantic Financial Group Limited, is a forward-thinking issuer of life insurance and annuities with a history spanning nearly three decades. We are proud of where we’ve been, as well
