Quick answer

F&G, short for Fidelity & Guaranty Life, is an insurance company that specializes in fixed and fixed indexed annuities plus life insurance, and it has no connection to Fidelity Investments. It carries an A- rating from AM Best. Policyholders manage accounts through the MyPolicy portal or mobile app, while agents use the separate SalesLink portal.

F&G (Fidelity & Guaranty Life) is an insurance holding company that specializes in fixed and fixed indexed annuities along with life insurance products — and it has zero connection to Fidelity Investments. Majority-owned by Brookfield Asset Management since 2020, F&G carries an A- rating from AM Best. Policyholders manage accounts through the MyPolicy portal or mobile app; agents use the separate SalesLink portal for quotes and illustrations.

What Is F&G (Fidelity & Guaranty Life)?

F&G is short for Fidelity & Guaranty Life, an insurance holding company headquartered in Des Moines, Iowa. The company was founded in 1959 and has spent most of its history focused on one lane: helping Americans build protected retirement income through annuities and life insurance. It’s not a household name the way some mega-carriers are, but in the fixed annuity space it punches well above its weight.

Who owns F&G?

F&G is publicly traded on the New York Stock Exchange under the ticker FG. Brookfield Asset Management — one of the world’s largest alternative asset managers — took a controlling stake in F&G in 2020. F&G later relisted as an independent public company in December 2022. So while Brookfield remains a major shareholder, F&G operates as its own publicly traded entity.

No — and this comes up constantly. F&G and Fidelity Investments are completely separate companies with no shared ownership, products, or operations. Fidelity Investments is a privately held financial services giant based in Boston; F&G is a Des Moines insurance company. The similar names are coincidental. If you have a Fidelity brokerage account, that has nothing to do with an F&G annuity.

Is F&G a legitimate company?

Yes. F&G is state-licensed, regulated by insurance departments in all states where it operates, and rated A- (Excellent) by AM Best — a rating that reflects strong financial stability. It’s also a member of the Insurance Marketplace Standards Association (IMSA). There’s nothing shady here; it’s a legitimate insurance carrier with decades of operating history.

F&G Annuities and Life Products Overview

F&G’s product lineup sits squarely in the retirement income category. If you’re looking for variable annuities or equity portfolios, this isn’t your carrier. But if you want principal protection with some growth potential, F&G has solid options.

Fixed annuities from F&G

F&G’s fixed annuities — sometimes called multi-year guaranteed annuities (MYGAs) — offer a locked interest rate for a set term, typically two to seven years. Think of them like a CD from an insurance company: your principal is protected, and you know exactly what you’ll earn. These are straightforward products for people who want predictability above all else.

Fixed indexed annuities (FIAs) from F&G

F&G’s bread and butter is the fixed indexed annuity. With an FIA, your interest credits are tied to the performance of a market index — like the S&P 500 — but your principal can’t lose value due to market downturns. You give up some upside (via participation rates and caps) in exchange for downside protection. F&G offers several FIA products with varying index options, crediting strategies, and optional income riders.

F&G life insurance products

Beyond annuities, F&G sells indexed universal life (IUL) insurance. These are permanent life policies where cash value grows based on index performance, similar to an FIA but inside a life insurance wrapper. They’re designed for people who want lifelong coverage alongside tax-advantaged accumulation.

F&G Pathsetter annuity explained

The Pathsetter is one of F&G’s flagship IUL products. It combines death benefit protection with a cash value component indexed to market performance. It’s positioned as a flexible accumulation tool — not just pure life insurance. More on rates, withdrawals, and reviews in a dedicated section below.

If you’re comparing F&G annuity options against other carriers, pulling a personalized F&G annuity quote is a fast way to see current rates side by side.

F&G Annuities and Life Reviews and Complaints

No insurance company is perfect, and it’s worth knowing what real customers experience before you commit money to a long-term contract.

What customers say about F&G

Customer sentiment toward F&G is mixed in the way most insurance companies are: people who had smooth claims or servicing experiences tend to be satisfied; people who ran into bureaucratic friction or unexpected surrender charges are frustrated. The most common positive themes are competitive rates, clear policy illustrations, and helpful agents. The most common frustrations involve slow customer service response times and confusion around withdrawal rules.

F&G ratings from AM Best and BBB

Rating Source F&G Rating What It Means
AM Best A- (Excellent) Strong financial ability to meet obligations
Better Business Bureau (BBB) A+ accredited Meets BBB standards for transparency and complaint handling
NAIC Complaint Index Below average Fewer complaints than expected for its market share

An A- from AM Best is a meaningful signal. It means independent analysts believe F&G can pay its claims. The below-average NAIC complaint index is also encouraging — it suggests F&G isn’t generating an outsized volume of policyholder grievances relative to its size.

Common F&G annuities complaints

The complaints that do surface tend to cluster around a few themes:

  • Surrender charges: Policyholders surprised by penalties for early withdrawals — these are standard for annuities but sometimes not explained clearly at point of sale.
  • Processing delays: Some customers report longer-than-expected wait times for paperwork, beneficiary changes, or withdrawals.
  • Phone hold times: Customer service accessibility during peak periods.

These aren’t unique to F&G — they’re endemic to the annuity industry. The lesson is to work with a licensed agent who explains surrender schedules upfront.

F&G Login Portal: How Policyholders Access MyPolicy

F&G’s policyholder self-service hub is called MyPolicy. It’s where you check your account value, request withdrawals, update beneficiaries, and pay premiums.

How to log in to the F&G MyPolicy portal

  1. Go to fglife.com and click “My Policy” in the top navigation.
  2. Enter your username and password.
  3. If it’s your first time, click “Register” to create an account.

The portal is web-based and works on any modern browser — Chrome, Safari, Firefox, Edge.

F&G login portal sign up and registration

To register for MyPolicy you’ll need:

  • Your F&G policy number (on your policy documents or welcome letter)
  • Your Social Security number or Tax ID
  • A valid email address

Registration takes about five minutes. Once your identity is verified, you set a username and password and you’re in.

F&G login payment: paying your premium online

If you have a life insurance policy with ongoing premiums, you can pay through MyPolicy via ACH bank transfer or credit/debit card. Annuity contracts funded with a lump sum typically don’t require ongoing premium payments, but you can still log in to monitor your account value and track indexed crediting periods.

Troubleshooting F&G login issues

  • Forgot password: Click “Forgot Password” on the login screen and follow the email reset link.
  • Locked account: After multiple failed login attempts, your account may lock temporarily. Call F&G customer service to unlock it.
  • Policy not found during registration: Double-check your policy number and that the policy is in your name. Group policies may not be accessible through the standard MyPolicy portal.

F&G Login App: Managing Your Policy on Mobile

F&G offers a mobile app so you can access your policy without logging into a browser.

F&G app download for Android and iOS

The F&G app is available on both the Apple App Store and Google Play. Search for “F&G Life” or “Fidelity & Guaranty Life” to find it. The app is free to download.

F&G login app features for policyholders

Once you’re logged in through the app, you can:

  • View current account value and policy details
  • Check indexed crediting status and strategy allocations
  • Submit service requests
  • Update contact information
  • Access policy documents

F&G login app for Android setup steps

  1. Open the Google Play Store and search “F&G Life.”
  2. Tap Install and wait for the download.
  3. Open the app and tap “Log In.”
  4. Use the same MyPolicy credentials you set up on the web portal. If you haven’t registered yet, tap “Register” and complete the process from your phone.

If you’re an insurance agent who sells F&G products, your gateway is the SalesLink portal — separate from the consumer MyPolicy portal.

How to access the F&G agent login portal

Agents log in at fglife.com and navigate to the agent/producer portal. The direct URL may vary; your F&G wholesaler or field marketing organization (FMO) can provide the current link.

SalesLink is F&G’s agent-facing platform for:

  • Running annuity and life insurance illustrations
  • Submitting new applications (e-App capability)
  • Tracking pending cases and application status
  • Accessing marketing materials and product guides
  • Downloading current rate sheets

F&G agent login app and portal app download

F&G also offers a version of the app experience for agents. Through the SalesLink portal, agents can download the F&G Illustrator tool, which lets you run policy illustrations on the go. Check with your FMO for the most current download instructions, as the agent-facing tools are updated more frequently than the consumer app.

F&G agent sign-up and registration

New agents need to be appointed with F&G before gaining SalesLink access. The appointment process involves:

  1. Submitting a producer appointment application through your FMO or directly with F&G.
  2. Completing any required state appointment filings.
  3. Receiving your SalesLink credentials via email once your appointment is approved.

F&G agent support phone number

Agents can reach F&G’s dedicated sales desk at 1-800-445-6758. This line is separate from the consumer customer service line and is staffed by wholesalers who can help with product questions, illustration support, and case design.

F&G Pathsetter: Rates, Withdrawals, and Reviews

F&G Pathsetter IUL overview

The F&G Pathsetter is an indexed universal life insurance product that lets you build cash value tied to index performance while maintaining a death benefit. It’s designed for people who want more than pure protection — they want accumulation potential inside a life insurance structure. Premiums are flexible, and you can adjust the death benefit over time within certain limits.

The Pathsetter uses crediting strategies tied to major indexes, with a floor that prevents your cash value from going negative due to market losses. Participation rates, caps, and spreads apply and are subject to change at renewal periods — your agent should provide a current illustration showing projected values under conservative, moderate, and optimistic scenarios.

F&G Pathsetter withdrawal rules

Like most IUL products, the Pathsetter allows policy loans and withdrawals from cash value. Key rules to know:

  • Surrender charges: Apply during the surrender charge period (typically the first several policy years). Withdrawing more than the free withdrawal amount triggers these charges.
  • Free withdrawal allowance: Usually 10% of the account value per year without surrender penalties.
  • Policy loans: You can borrow against cash value without triggering surrender charges, but unpaid loans accrue interest and reduce the death benefit.
  • Tax considerations: Withdrawals up to your cost basis are generally tax-free; amounts above that may be taxable. Loans are typically tax-free if the policy remains in force.

F&G Pathsetter reviews and Reddit feedback

Feedback on the Pathsetter from online communities — including Reddit’s r/personalfinance and r/annuities threads — tends to reflect the broader debate around IUL products. Supporters cite the downside protection, tax advantages, and flexibility. Critics argue the internal costs (cost of insurance, administrative fees) can erode returns compared to buying term and investing the difference. The honest answer: the Pathsetter is a legitimate product, but it’s not right for everyone. Run a detailed illustration and compare it against term + investment alternatives before committing.

F&G Annuities and Life Contact Information

F&G annuities and life phone number

  • Policyholder customer service: 1-800-445-6758
  • Available: Monday–Friday, business hours (Central time)

F&G annuities and life mailing address

F&G Annuities & Life, Inc. P.O. Box 81497 Lincoln, NE 68501-1497

For overnight deliveries: 1001 Lakeside Avenue East Suite 400 Cleveland, OH 44114

How to file F&G annuities and life claims

For life insurance death claims:

  1. Notify F&G by calling the customer service line above or submitting a claim online through MyPolicy.
  2. Gather documents: You’ll need a certified copy of the death certificate and the policy number.
  3. Complete claim forms: F&G will send or email the appropriate forms based on the claim type.
  4. Submit and follow up: Processing time varies but typically takes a few weeks once all documents are received.

For annuity death benefits, the process is similar — contact F&G directly and they’ll assign a case manager to walk the beneficiary through the steps.

Frequently Asked Questions

What does F&G stand for?

F&G stands for Fidelity & Guaranty Life. It’s an insurance holding company headquartered in Des Moines, Iowa, that specializes in fixed annuities, fixed indexed annuities, and indexed universal life insurance. Despite the name, F&G has no connection to Fidelity Investments.

Is F&G a good company?

F&G is a financially stable company with an A- rating from AM Best, an A+ BBB accreditation, and a below-average NAIC complaint index. For consumers seeking principal-protected retirement income products like fixed or fixed indexed annuities, F&G is a solid, legitimate option — though you should always compare rates and terms against other carriers before committing.

Are Fidelity and F&G the same?

No. Fidelity Investments and F&G (Fidelity & Guaranty Life) are completely separate companies. Fidelity Investments is a privately held financial services firm headquartered in Boston. F&G is a publicly traded insurance company based in Des Moines, Iowa, owned largely by Brookfield Asset Management. They share no products, ownership, or operations.

Does F&G Life have an app?

Yes. F&G offers a mobile app for both iOS and Android devices. Search “F&G Life” in the Apple App Store or Google Play to find and download it. The app lets policyholders view account values, check crediting strategies, submit service requests, and access policy documents using the same credentials as the MyPolicy web portal.

Who is F&G owned by?

F&G is publicly traded on the New York Stock Exchange under the ticker FG. Brookfield Asset Management acquired a controlling stake in F&G in 2020. F&G then relisted as an independent public company in December 2022. Brookfield remains a significant shareholder, but F&G operates as a standalone publicly traded entity.

Is F&G a legitimate company?

Yes. F&G is state-licensed, regulated by insurance commissioners in the states where it operates, and rated A- (Excellent) by AM Best — meaning independent analysts consider it financially strong. It’s been in business since 1959 and has an active BBB accreditation. There are no regulatory sanctions or solvency concerns that would raise red flags.

No. The name overlap causes a lot of confusion, but F&G (Fidelity & Guaranty Life) and Fidelity Investments are entirely separate companies with no shared ownership, products, or business relationship. If you have an F&G annuity, you won’t manage it through Fidelity’s website — you’d use F&G’s MyPolicy portal at fglife.com.

What is the best company to buy annuities from?

There’s no single “best” annuity company — the right carrier depends on the type of annuity you want (MYGA, FIA, income annuity), the term length, current rate competitiveness, and your financial goals. F&G consistently appears on shortlists for fixed indexed annuities due to its competitive caps and A- financial strength. The smartest move is to compare current rates from multiple A-rated carriers before you decide.