1. ForeIncomeTM Fixed Index Annuity
NAIC Training Effective 2014
The 2010 revised NAIC Suitability in Annuity Transaction Model regulation, in pertinent part, expands the suitability criteria necessary for an insurer or producer to recommend an annuity and requires completion of both a one time, four hour general annuity training course and a one time product specific training course.
The information in this document is confidential and may not be shared, copied or otherwise disseminated to anyone other than individuals identified as being directly involved in the sales process. All information is subject to change.

2. ForeIncomeTM Fixed Index Annuity
ForeIncome fixed index annuity is a single premium fixed index annuity designed with a guarantee withdrawal benefit to help meet the need for predictable lifetime income in retirement. Available for non-qualified, IRA , Roth IRA and SEP plans.
Issues Ages
50-80
Non-qualified: joint owners permitted – use age of the oldest joint owner to determine maturity date and commission (oldest joint annuitant if non-natural owner)
Qualified: joint ownership not permitted
Premium Limits
Minimum
$25,000 initial premium
Maximum1
$1,000,000 total per person
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and subject to compliance with benefit rules.
1 As measured by total contribution per person for all Forethought products. Company approval will be required for cumulative premium payments in excess of the stated limits as applied to one or more annuity contracts by one client.

3. ForeIncomeTM Fixed Index Annuity
Guaranteed Lifetime Withdrawal Benefit (GLWB) is included at issue. Must be at least age 55 to activate; income is provided after activation. Included for annual charge of .95% of the Withdrawal Base at the start of each contract year.
GLWB provides an income feature through guaranteed lifetime withdrawal amounts, known as Lifetime Annual Payments (LAP)
LAP is determined by the Withdrawal Base1 amount, which is a separate value that grows based on one of two options:
The first option provides a 10% of premium, adjusted for withdrawals, as guaranteed fixed increase to the Withdrawal Base.
The second option adds the interest earned on contract value alongside a guaranteed fixed 7.5% of premium to increase the value, adjusted for withdrawals
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and subject to compliance with benefit rules.
1 Withdrawal Base is not available for death benefit or cash surrender.

4. ForeIncomeTM Fixed Index Annuity
How LAP works
The LAP election is a one-time election that locks in for the duration of the contract. Withdrawal Base growth ceases upon activation.
If contract value ever exceeds Withdrawal Base at any contract anniversary after activation, Withdrawal Base will receive automatic increase to match it and LAP will be recalculated.
Once income is activated, a percentage of Withdrawal Base is taken as the LAP – determined based on age at activation (based on age of younger spouse for joint income).
LAPs do not reduce Withdrawal Base, but do reduce contract value.
If withdrawals are taken that are greater than the LAP, the Withdrawal Base and future LAP decrease.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and subject to compliance with benefit rules.
1 Withdrawal Base is not available for death benefit or cash surrender.

5. ForeIncomeTM Fixed Index Annuity
Sample Lifetime Withdrawal Percentages (LAPs)
1 Withdrawal Base is not available for death benefit or cash surrender.

6. ForeIncomeTM Fixed Index Annuity
Guaranteed Minimum Surrender Value (GMSV) is a separate value, tracked independently from the contract value. It can provide an increase to the contract value, but is only used if the guaranteed withdrawal benefit has not been activated. If GLWB is not activated, the GMSV is used to determine:
Minimum death benefit (state variations apply)
Full surrender amount after the withdrawal charge period
Contract value for annuitization purposes after the withdrawal charge period
The GMSV terminates without payment on the GLWB Activation Date.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and subject to compliance with benefit rules.

7. ForeIncomeTM Fixed Index Annuity
Interest Crediting Methods1
Clients have the option of allocating funds to any of the interest crediting methods listed below. Interest is credited daily for the Fixed Rate strategy and at the end of the term for the index based methods. Funds may be reallocated to an available method at the end of each strategy term. Funds may only be allocated to or from the Barclays index strategy every three years. The minimum allocation to a strategy is $10,000.
One-year Annual Point-to-Point with Cap based on S&P 500®
One-year Monthly Point-to-Point with Cap based on S&P 500®
Three-year Point-to-Point with Spread based on Barclays ARMOUR II® Index
One-year Fixed Rate
Interest credited for the index account methods is guaranteed not to be less than 0%. Interest credited for the Fixed Rate strategy is guaranteed not to be less than 0.50%.
Fixed rates, index caps and spread are guaranteed for the length of the crediting term and reset at the beginning of each term.
Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and subject to compliance with benefit rules.
1The crediting methods are subject to a 0% minimum, and either a cap or spread apply.  Caps and spreads are declared at the beginning of each strategy term, and any calculated index credit is credited at the end of the strategy term.  The strategy terms are 1 year for S&P strategies and 3 years for Barclays strategy, 1 year for Fixed Rate strategy.
Indices are not available for direct investment.

8. ForeIncomeTM Fixed Index Annuity
Withdrawal Privileges1
Up to 10% of beginning of year contract value may be withdrawn annually without incurring a withdrawal charge. Withdrawal charges apply to amounts withdrawn in excess of the free partial withdrawal amount during the specified period.
Seven-Year Withdrawal Charge Schedule
Market Value Adjustment (MVA)
Applies during the withdrawal charge period on withdrawals in excess of the free partial withdrawal amount. The MVA also applies to annuitization during the withdrawal charge period, even though no withdrawal charges would apply. State variations apply.
1Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals may reduce any optional guaranteed amounts in an amount more than the actual withdrawal.

9. ForeIncomeTM Fixed Index Annuity
Standard Death Benefit
Remaining contract value passes to beneficiaries at no additional charge
Riders1,2
Nursing Care Waiver Rider
If the Owner should become confined to an approved nursing facility after the issue date for at least 90 consecutive days, Withdrawal Charges on any portion of the contract value withdrawn will be waived. Forethought must receive proof as identified in the waiver rider in order to qualify for this benefit.
Terminal Illness Waiver Rider
If the Owner is diagnosed with a Terminal Illness with a life expectancy of less than 12 months, Withdrawal Charges will be waived on any portion of the contract value withdrawn. Forethought must receive proof as identified in the waiver rider in order to qualify for this benefit.
1State availability and variations may apply.
2 Change in owner will terminate the benefit.

10. Important Information
Guarantees are based on claims-paying ability of Forethought Life Insurance Company and subject to compliance with benefit rules. A fixed index annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed index annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments or index. Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 591/2, may also be subject to a 10% federal income tax penalty. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals may reduce any optional guaranteed amounts in an amount more than the actual withdrawal. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult a tax or legal counsel for advice. ForeIncomeTM fixed index annuity is issued by Forethought Life Insurance Company and available in most states with contract FL-FIA-13 and ICC14-FL-FIA. Products and features are subject to state availability and variations. Read the Contract for complete details. Forethought is Forethought Life Insurance Company and affiliates, subsidiaries of Global Atlantic Financial Group Limited. “Standard & Poor’s®,” “S&P®,” “S&P 500®,” “Standard & Poor’s 500,” and “500” are trademarks of The McGraw Hill Companies, Inc. and have been licensed for use by Forethought Life Insurance Company. Forethought Life’s fixed index annuities are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the product. Past performance of the S&P 500® is no guarantee of future results. Any examples utilizing the S&P 500® Index are for illustrative purposes only. The S&P 500® Index is a price index and does not reflect dividends paid by the stocks underlying the index. The index is not available for direct investing.
FIA1009 (06-14)

11. Important Information
Barclays ARMOUR Index IITM is a trademark of Barclays Bank PLC or its affiliates and has been licensed for use in connection with the issuance and distribution of ForeIncomeTM. ForeIncome is not sponsored by, endorsed, sold or promoted by Barclays, and Barclays makes no representation regarding the advisability of investing in ForeIncome. Barclays Capital Inc and its affiliates (“Barclays”) is not the issuer or producer of ForeIncome and Barclays has no responsibilities, obligations or duties to investors in ForeIncome. The Barclays ARMOUR II Gross USD 7% ER IndexTM is a trademark owned by Barclays Bank PLC and licensed for use by Forethought Life Insurance Company as the Issuer of ForeIncome. While Forethought Life Insurance Company may for itself execute transaction(s) with Barclays in or relating to the Barclays ARMOUR II Gross USD 7% ER Index in connection with ForeIncome, investors acquire ForeIncome from Forethought Life Insurance Company and investors neither acquire any interest in Barclays ARMOUR II Gross USD 7% ER Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in ForeIncome. ForeIncome is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the ForeIncome or use of the Barclays ARMOUR II Gross USD 7% ER Index or any data included therein. Barclays shall not be liable in any to the advisability of the advisability of the ForeIncome or use of the Barclays ARMOUR II Gross USD 7% ER Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of Barclays ARMOUR II Gross USD 7% ER Index or any data included therein. Indices are not available for direct investment.
FIA1009-UBS (06-14)

12. Certificate of Product-Specific Training
Module Title: ForeIncome Fixed Index Annuity Training
Course ID: FTFIA2
I certify that I have received Forethought’s Product-Specific Training materials. I further certify that I have read about and understand all material features of Forethought’s fixed annuity product, and have adequate knowledge of Forethought’s fixed annuity product to determine the suitability of the product for my client.
A copy of this course completion certificate should be faxed to Forethought at: