Fidelity & Guaranty Life Insurance Company Interest Strategy Allocation Specifications

Summary

This document outlines the available interest strategy options for a contract issued by Fidelity & Guaranty Life Insurance Company. It specifies how premium amounts are allocated among various interest crediting strategies, such as fixed and index-linked options, each with designated percentages and minimum amounts. The contract also sets minimum transfer and account values. The parties involved are the insurance company and the contract holder. The document details the allocation of funds and the terms for selecting and maintaining different interest strategies within the contract.

EX-4.J 13 d302995dex4j.htm EX-4.J EX-4.j

Exhibit 4.j

Fidelity & Guaranty Life Insurance Company

SPECIFICATIONS PAGE–INTEREST STRATEGY ALLOCATIONS

Interest Strategies Available on the Issue Date


Interest Strategy	Crediting Period	Rider Form	Index / Value Name	Initial Allocation Percentage	Strategy Premium
[Fixed]	[1] Contract Year[s]	[Form Name]	[N/A]	[5%]	[$10,000.00]
[PTP with Buffer Cap]	[1] Contract Year[s]	[Form Name]	[Index Name]	[15%]	[$15,000.00]
[PTP with Buffer Performance Trigger]	[1] Contract Year[s]	[Form Name]	[Index Name]	[20%]	[$20,000.00]
[PTP with Floor Cap]	[1] Contract Year[s]	[Form Name]	[Index Name]	[25%]	[$25,000.00]
[PTP with Buffer Cap]	[3] Contract Year[s]	[Form Name]	[Index Name]	[10%]	[$15,000.00]
[PTP with Buffer Cap]	[3] Contract Year[s]	[Form Name]	[Index Name]	[10%]	[$15,000.00]
[PTP with Multi-Index Buffer Cap]	[6] Contract Year[s]	[Form Name]	[Multi-Index Name ([ticker], [ticker], [ticker])]	[10%]	[$15,000.00]
[Annual Lock Buffer]	[6] Contract Year[s]	[Form Name]	[Index Name]	[5%]	[$15,000.00]
[...]

Minimum Transfer Amount: [$2,000.00]

Minimum Strategy Account Value: [$2,000.00]

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SPEC-RILA-ALLOC (05-22)