On The Move – August 12, 2025

August 14, 2025 – Effective Date of Change

Fidelity & Guaranty Life

Fixed Indexed Annuity

FG AccumulatorPlus 10 10,000+

• 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.8% 
• 1-Year S&P 500 Monthly Average with Cap:  Cap 9% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.75% 
• 1-Year S&P 500 Annual Performance Trigger:  Cap 6.25% 
• 1-Year Fixed Account:  Rate: 3.75%
• 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 265%
• 1-Year S&P 500 Monthly Point-to-Point With Charge:  Cap 3.8% 
• 1-Year S&P 500 Monthly Average with Cap With Charge:  Cap 16.75% 
• 1-Year S&P 500 Point-to-Point with Cap With Charge:  Cap 11.75% 
• 1-Year S&P 500 Annual Performance Trigger With Charge:  Cap 8% 
• 2-Year Barclays Trailblazer Sectors 5 Index With Charge:  Part Rate 305%
• 1-Year S&P 500 Annual Point-to-Point with Participation Rate With Charge:  Part Rate 50%
• 1-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 195%
• 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 285%
• 1-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 255%
• 2-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 330%
• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 85%
• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 110%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 125%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 140%

FG AccumulatorPlus 7 10,000+

• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 80%
• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 105%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 120%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 135%
• 1-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 250%
• 2-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 325%
• 1-Year GS Global Factor Point-to-Point Spread and Par :  Part Rate 190%
• 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 280%
• 1-Year S&P 500 Annual Point-to-Point with Participation Rate With Charge:  Part Rate 50%
• 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.75% 
• 1-Year S&P 500 Monthly Average with Cap:  Cap 8.75% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year S&P 500 Annual Performance Trigger:  Cap 6% 
• 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 260%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year S&P 500 Monthly Point-to-Point With Charge:  Cap 3.75% 
• 1-Year S&P 500 Monthly Average with Cap With Charge:  Cap 16.5% 
• 1-Year S&P 500 Point-to-Point with Cap With Charge:  Cap 11.5% 
• 1-Year S&P 500 Annual Performance Trigger With Charge:  Cap 7.75% 
• 2-Year Barclays Trailblazer Sectors 5 Index With Charge:  Part Rate 300%

FG Power Accumulator 10 10,000+

• 1-Year Balanced Asset 5 Index Par:  Part Rate 190%
• 1-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 250%
• 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 270%
• 2-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 305%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 100%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 3%  Part Rate 180%
• 1-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Par:  Part Rate 40%
• 2-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 60%
• 1-Year iShares MSCI EAFE (EFA) Point-to-Point with Par:  Part Rate 40%
• 2-Year iShares MSCI EAFE (EFA) Point-to-Point with Spread & Par:  Spread 4.5%  Part Rate 90%
• 1-Year iShares U.S. Real Estate (IYR) Point-to-Point with Par :  Part Rate 40%
• 2-Year iShares U.S. Real (IYR) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 70%
• 1-Year iShares Gold Trust (IAU) Point-to-Point with Par :  Part Rate 40%
• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 85%
• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 110%
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 125%
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 140%
• 1-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 8.75% 
• 2-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 15.25% 
• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 210%
• 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 150%
• 1-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 195%
• 2-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 235%

FG Power Accumulator 7 10,000+

• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 205%
• 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 145%
• 1-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 190%
• 2-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 230%
• 1-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 8.5% 
• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 80%
• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 105%
• 2-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 15.25% 
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 120%
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 135%
• 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 95%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 3%  Part Rate 175%
• 1-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Par:  Part Rate 40%
• 2-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 60%
• 1-Year iShares MSCI EAFE (EFA) Point-to-Point with Par:  Part Rate 40%
• 2-Year iShares MSCI EAFE (EFA) Point-to-Point with Spread & Par:  Spread 4.5%  Part Rate 85%
• 1-Year iShares U.S. Real Estate (IYR) Point-to-Point with Par :  Part Rate 40%
• 2-Year iShares U.S. Real Estate (IYR) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 70%
• 1-Year iShares Gold Trust (IAU) Point-to-Point with Par :  Part Rate 40%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year Balanced Asset 5 Index Par:  Part Rate 185%
• 1-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 245%
• 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 265%
• 2-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 300%

Flex Accumulator 10,000+

• S&P 500 1-year Monthly Point-to-Point w/Cap:  Cap 2.75% 
• S&P 500 1-Year Annual Point-to-Point w/Cap:  Cap 7.75% 
• Barclays TrailBlazer Sector 5 Index 2-Year Point-to-Point w/Spread & Par :  Part Rate 235%
• S&P 500 1-year Monthly Point-to-Point w/Cap With Charge:  Cap 3.75% 
• Barclays TrailBlazer Sector 5 Index 2-Year Point-to-Point w/Spread & Par With Charge:  Part Rate 275%
• 1 Year Fixed Account :  Rate: 3.5%
• S&P 500 1-Year Annual Point-to-Point w/Spread & Par With Charge:  Spread 3%  Part Rate 50%
• S&P 500 1-Year Annual Point-to-Point w/Spread & Par:  Spread 3%  Part Rate 40%
• 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 85%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par with Fee:  Spread 4%  Part Rate 200%
• 2-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 185%
• 2-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 215%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 4%  Part Rate 170%

Performance Pro with GMWB 10,000+

• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 150%
• 1-Year Morgan Stanley US Equity Allocator Index Point-to-Point Spread and Par:  Part Rate 60%
• 2-Year Morgan Stanley US Equity Allocator Index Point-to-Point Spread and Par:  Part Rate 90%
• 2-Year Morgan Stanley US Equity Allocator Index Point-to-Point Spread and Par with Charge:  Part Rate 105%
• 1-Year Balanced Asset 5 Point to Point Participation:  Part Rate 135%
• 2-Year Balanced Asset 5 Point to Point Participation with Charge:  Part Rate 230%
• 2-Year Balanced Asset 5 Point to Point Participation and Spread:  Part Rate 190%
• 1-Year GS Global Factor Point-to-Point Par :  Part Rate 140%
• 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 205%
• 2-Year GS Global Factor Point to Point Participation with Charge :  Part Rate 245%
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 190%
• 1-Year S&P 500 Monthly Point-to-Point:  Cap 2% 
• 1-Year S&P 500 Annual Point-to-Point:  Cap 6.25% 
• 2-Year S&P 500 Point-to-Point:  Cap 10.5% 
• 3-Year S&P 500 Point-to-Point:  Cap 16.5% 
• 1-Year Gold Point-to-Point:  Cap 6.75% 
• 1-Year Fixed Account:  Rate: 2.75%

August 18, 2025 – Effective Date of Change

Lincoln Financial

Lincoln OptiBlend 10 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread :  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year Fixed Account:  Rate: 4.2%
• 1-Year S&P 500 Participation:  Part Rate 55%
• 1 Year S&P 500 10% DRC with a 5 Year Trigger Lock:  Cap 6.85% 
• 5 Year Multi-Year S&P 500 Participation:  Part Rate 75%
• 5 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 160%
• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock:  Cap 7.05% 
• 1-Year Nasdaq Priva Participation:  Part Rate 110%

Lincoln OptiBlend 10 100,000+

• 1-Year Nasdaq Priva Participation:  Part Rate 125%
• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock:  Cap 8.05% 
• 5 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 170%
• 5 Year Multi-Year S&P 500 Participation:  Part Rate 82%
• 1 Year S&P 500 10% DRC with a 5 Year Trigger Lock:  Cap 8.5% 
• 1-Year S&P 500 Participation:  Part Rate 60%
• 1-Year Fixed Account:  Rate: 4.55%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.65% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread : 
• 1-Year S&P 500 Performance Triggered :  Cap 8.05% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10% 

Lincoln OptiBlend 10 CA 10,000+

• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 6.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.85%
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 6.5% 
• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock:  Cap 6.5% 

Lincoln OptiBlend 10 CA 100,000+

• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock: 
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 4.6%
• 1-Year S&P 500 Participation :  Part Rate 58%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Performance Triggered :  Cap 8% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 

Lincoln OptiBlend 5 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.55%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1 Year S&P 500 10% Daily Risk Control Trigger Lock:  Cap 6.65% 
• 5 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 140%
• 5 Year Multi-Year S&P 500 Participation:  Part Rate 65%
• 1-Year Nasdaq Priva Participation:  Part Rate 95%
• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock:  Cap 6.5% 

Lincoln OptiBlend 5 100,000+

• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock:  Cap 7.5% 
• 1-Year Nasdaq Priva Participation:  Part Rate 115%
• 5 Year Multi-Year S&P 500 Participation:  Part Rate 75%
• 5 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 150%
• 1 Year S&P 500 10% Daily Risk Control Trigger Lock:  Cap 8% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year Fixed Account:  Rate: 4.15%
• 1-Year S&P 500 Participation :  Part Rate 55%
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Performance Triggered :  Cap 7.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1 Year S&P 500 Dual Trigger:  Cap 6.75% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.5% 

Lincoln OptiBlend 5 CA 10,000+

• 1 Year S&P 500 Dual Trigger:  Cap 5.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Performance Triggered :  Cap 6% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.25% 
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Participation :  Part Rate 40%
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 5.75% 
• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock:  Cap 5.5% 

Lincoln OptiBlend 5 CA 100,000+

• 1-Year S&P 500 Point-to-Point with Cap 5-Year Lock:  Cap 7% 
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 7.25% 
• 1-Year S&P 500 Participation :  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Performance Triggered :  Cap 7.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 

Lincoln OptiBlend 7 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.5% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Participation:  Part Rate 50%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 4.2%
• 1 Year S&P 500 10% Daily Risk Control 7 Year Trigger Lock:  Cap 6.65% 
• 7 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 150%
• 7 Year Multi-Year S&P 500 Participation:  Part Rate 70%
• 1-Year Nasdaq Priva Participation:  Part Rate 105%
• 1-Year S&P 500 Point-to-Point with Cap 7-Year Lock:  Cap 7% 

Lincoln OptiBlend 7 100,000+

• 1-Year S&P 500 Point-to-Point with Cap 7-Year Lock:  Cap 8% 
• 1-Year Nasdaq Priva Participation:  Part Rate 120%
• 7 Year Multi-Year S&P 500 Participation:  Part Rate 80%
• 7 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 160%
• 1 Year S&P 500 10% Daily Risk Control 7 Year Trigger Lock:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 4.5%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.5% 
• 1-Year S&P 500 Participation:  Part Rate 58%
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Performance Triggered :  Cap 8% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.75% 

Lincoln OptiBlend 7 CA 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.25% 
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.75%
• 1 Year S&P 500 10% DRC Trigger 7Y Lock:  Cap 6.25% 
• 1-Year S&P 500 Point-to-Point with Cap 7-Year Lock:  Cap 6.25%