Lincoln, NE Overnight. F&G Service Center Research Drive Lincoln, NE Fax. Annuity: Life: Fidelity & Guaranty Life Insurance Company is moving its headquarters, and Lincoln, Nebraska, according to the Des Moines Register article. York only, Fidelity & Guaranty Life Insurance Company of New York. Each Fidelity & Guaranty Life company is solely responsible for its contractual Nebraska Policyholder Services – or Fidelity & Guaranty Life Insurance Company Service Center, Research Drive, Lincoln, NE
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Fidelity and guaranty life lincoln nebraska -
We are only providing you with the information contained in this prospectus or in any free writing prospectus we have prepared, and we take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may give you.
Neither we nor the underwriters have authorized anyone to provide you with information that is different from that contained in this prospectus or any free writing prospectus.
Neither this prospectus nor any free writing prospectus is an offer to sell, or seeking offers to buy, anywhere or to anyone where or to whom we are not permitted to offer or to sell securities under applicable law. The information in this prospectus or any free writing prospectus is accurate only as of the date of this prospectus or such free writing prospectus, as applicable, regardless of the time of delivery of this prospectus or any free writing prospectus or of any sale of our common stock.
Our business, financial condition, results of operations and prospects may have changed since that date. We have not independently verified market and industry data from third-party sources. This information cannot always be verified with complete certainty due to the limits on the availability and reliability of raw data, the voluntary nature of the data gathering process, and other limitations and uncertainties inherent in surveys of market size. Our fiscal year ends on September 30 of each year.
Company Overview For over 50 years, our Company has been helping middle-income Americans prepare for retirement and unexpected loss of life. Our focus on the middle-income market gives us access to significant, underserved market niches and drives our product development. Through the efforts of our approximately employees, who are primarily located in Baltimore, MD, we offer various types of fixed annuities and life insurance products.
Fixed annuities represent a retirement and savings tool which our customers rely on for principal protection and predictable income streams. The benefit of FIAs to our customers is to provide a portion of the gains of an underlying market index without the risk of losing the original principal.
The majority of our products contain provisions that permit us to annually adjust the formula by which index credits are provided in response to changing market conditions. In addition, our annuity contracts generally either are not surrenderable or include surrender charges that discourage early redemptions. In April , Harbinger Group Inc. Since this acquisition, we have strengthened our financial profile and risk-based capital ratios, increased our market share, decreased the risk in our investment portfolio, including through better alignment of our asset and liability cash flows, and generated positive net earnings.
Our FIA market share in terms of sales grew from 1. Our Industry The demand for retirement planning products is large and growing.
The U. Government Accountability Office has indicated that increasing life expectancy has created a risk that many retirees will outlive their retirement assets.
Additionally, employer-sponsored private sector pension plans face severe funding deficits. Americans realize that funding deficits in government and employer-sponsored pension plans leave them exposed to retirement income shortfalls.
We operate in the sector of the insurance industry that focuses on the needs of middle-income Americans. The underserved middle-income market represents a major growth opportunity for FGL. We have historically sold life insurance to the large and underserved middle-income market.
We believe that this experience has given us a keen understanding of the financial safety, wealth accumulation and protection, and retirement income needs of middle-income Americans. Our collaborative, demand-driven approach to product design anchors the loyalty of our IMOs, and we design customized products to support the marketing strategies of our.The information in this prospectus or any free writing prospectus is accurate only as of the date of this prospectus or such free writing prospectus, as applicable, regardless of the time of delivery of this prospectus or any free writing prospectus or of any sale of our common stock. Americans realize that funding deficits in government and employer-sponsored pension plans fidelity and guaranty life lincoln nebraska them exposed to retirement income shortfalls. We have not independently verified market and industry data from third-party sources. However, any refund will be reduced by any rider benefits used. Fixed annuities represent a retirement and savings tool which our customers rely on for principal protection and predictable income streams.