Fidelity and Guaranty Life Insurance Company

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As agents for Fidelity & Guaranty, we offer you the easiest way to buy your annuity directly. This service is free and there is no extra charge to you. We are paid a commission by the insurance company.

You can apply for your annuity over the phone. Just call 800-872-6684 to speak with one of our friendly annuity experts who will walk you through your application.

Here's some more information about the application process.

About The Fidelity & Guaranty Application

The first step to locking in your rate is to submit an application. If you’re ready to apply or have any questions, call us at 800-872-6684. Here’s how we’ll assist you:

  • Together, we’ll go through a brief questionnaire and submit your application directly to the insurance company.
  • You’ll receive your digital application to e-sign and send to the insurance company. If you have questions as you review the application, call us at 800-872-6684 for assistance.
  • You'll send your funds directly to Fidelity & Guaranty either by wire, prepaid overnight mail, or as a direct transfer from your current custodian.
  • Once the insurance company recieves your application and funds, your rate is are locked-in.
  • It takes the insurance company about 2 weeks to issue your written policy which you’ll receive by overnight mail. You’ll get daily updates from us as your application goes through the underwriting process.

If you have any questions about your quotes, the application process, or annuities in general, please call our customer service team at 800-872-6684. We’d be happy to speak with you.

Frequently Asked Annuity Questions

+How do I pay for my annuity?

The money you pay for an annuity is called the premium. The premium can be paid in several ways:

By Check: You can send a personal check payable to Fidelity & Guaranty. Your check would include your name in the memo section ("For Benefit Of ______") to ensure it is credited to your account. You do not need to send a cashiers' check or a certified check.

By Company-Directed Transfer from a 401k, IRA, bank CD, or existing annuity: If your premium is currently with another company, we'll include Transfer paperwork with your application so Fidelity & Guaranty can request the premium be sent to it directly.

+Are there any extra fees or commissions?

No, the total premium amount is applied to your annuity. We don't charge any fees. We are paid a commission by Fidelity & Guaranty to represent them. This commission has already been figured into their rates.

We represent over 25 top-rated insurance companies to bring you the best annuity rates, and our service is free to you!

+How do I get my annuity policy?

After Fidelity & Guaranty receives your application and funding, it starts to underwrite your policy. Fidelity & Guaranty usually takes about two weeks to review your application and set up your account. Our friendly customer service team will call you or email you with regular updates at each stage of the policy issue process.

Once the underwriting is completed, an annuity policy (also called an annuity contract) is sent to our offices to review for accuracy. If everything is correct, we’ll overnight it to you for your acceptance.

After you review the contract, if you’re satisfied with what you see, sign the delivery receipt and return it in the enclosed postage-paid envelope. Your annuity is then active and growing at your annual rate!

+Can I cancel my annuity?

Yes. By state law, you have a “free look” period during which you are allowed to change your mind and cancel your annuity contract for a 100% no-questions-asked refund. The length of this “free look” period is at least 10 days and in some states it's up to 30 days.

Fidelity and Guaranty's Annuities

Deferred Annuities Fidelity and Guaranty FG Guarantee Platinum Annuity Fidelity and Guaranty FG Guarantee Plus Annuity

Fixed Deferred Annuities

Fidelity and Guaranty AccumulatorPlus 10 Annuity Fidelity and Guaranty AccumulatorPlus 14 Annuity Fidelity and Guaranty Prosperity Elite 7 Annuity Fidelity and Guaranty Prosperity Elite 10 Annuity Fidelity and Guaranty Prosperity Elite 14 Annuity

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