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    Global Atlantic Financial Group


    ForeSpending Select (without Bonus)

       (RETIRED)

    A Fixed Indexed Annuity with a 10-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Fitch:  A   Moody's:  A2   Standard & Poor's:  A-  

    Rates
      Current Rates
    xx/xx/xxxx
    Guaranteed
    Minimum Values
     Band $5,000+  Cap Spread Cap Spread
    1-Year S&P 500 Monthly Average with Annual Cap   ***    ***   ***   *** 
    1-Year S&P 500 Monthly Point-to-Point with Cap   ***    ***   ***   *** 
    1-Year S&P 500 Annual Point-to-Point with Cap   ***    ***   ***   *** 
    Barclays ARMOUR II Triennial VCI   ***    ***   ***   *** 
    BlackRock Diversa VCI Two Year Point-to-Point W/Spread   ***    ***   ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %
     Band $25,000+  Cap Spread Cap Spread
    1-Year S&P 500 Monthly Average with Annual Cap   ***    ***   ***   *** 
    1-Year S&P 500 Monthly Point-to-Point with Cap   ***    ***   ***   *** 
    1-Year S&P 500 Annual Point-to-Point with Cap   ***    ***   ***   *** 
    Barclays ARMOUR II Triennial VCI   ***    ***   ***   *** 
    BlackRock Diversa VCI Two Year Point-to-Point W/Spread   ***    ***   ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %
     Band $100,000+  Cap Spread Cap Spread
    1-Year S&P 500 Monthly Average with Annual Cap   ***    ***   ***   *** 
    1-Year S&P 500 Monthly Point-to-Point with Cap   ***    ***   ***   *** 
    1-Year S&P 500 Annual Point-to-Point with Cap   ***    ***   ***   *** 
    Barclays ARMOUR II Triennial VCI   ***    ***   ***   *** 
    BlackRock Diversa VCI Two Year Point-to-Point W/Spread   ***    ***   ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    The @annuity --[ subscription required to view full text ]--
    *** @***********@ ** * ****** ******* ******** ******* **** * @******@ ***** ********* ****** ****** *** ** *** *********. *** ******* **** *** **** *** ******* ****** **** *** ***** ******* (************ ****** **** *****) ******* ***** ** ** ****** ******.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    BlackRock Diversa Vo --[ subscription required to view full text ]--
    ********* ******* ********** ******* ***-**** *****-**-***** **** ****** ******* ******** *** *** ********* ** ***** ******: **

    MVA Explanation
    Not available in AK DE HI IA LA MD MN MO NH NJ NV OH OK OR PA UT VT WA

    Any amounts that are --[ subscription required to view full text ]--
    *** ******* **** *** ******** * ********** ****** **** **** ** ******* ** * ****** ***** **********, ***** *** ******** ** ******** *** ******** *****. ****** ***** *********** **** *** ** ******* ** *** ***** ******** **** *** ** *** ***** ** *** *****. ****** ******, ****** ***** *********** ********* ******** *** ******** ***** **** ******** ***** **** *** ******** *** ******** ***** **** ******** ***** ****.

    Commissions
    Effective date of commission schedule: 03/28/2016
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Option A

    ForeSpending Select (without Bonus)
    Up to age 75  
    Initial Premium: ****
    Ages 76-80  
    Initial Premium: ****

    Option B

    ForeSpending Select (without Bonus)
    Ages 55-75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76+  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    Option C

    ForeSpending Select (without Bonus)
    Ages 55-75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76+  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

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