ForeLifetime Income offers a choice of two Guaranteed Lifetime Withdrawal Benefits, giving financial professionals flexibility to build income around a client's timeline

Global Atlantic, a leading provider of retirement security and investment solutions and a wholly owned subsidiary of KKR, today announced the launch of ForeLifetime Income, a new fixed index annuity developed specifically for the independent marketing organization (IMO) channel. The product is designed to help individuals turn retirement savings into guaranteed income for life by providing greater transparency in building a retirement income strategy.

For generations, pensions provided many retirees with a predictable source of retirement income. Today, however, only 14% of private industry workers have access to a defined benefit pension plan¹. As responsibility for funding retirement has increasingly shifted to individuals, one of the central challenges has become not only how much to save, but how to turn those savings into reliable income that can last throughout retirement.

That challenge is particularly relevant for the first wave of Generation X now approaching retirement. Global Atlantic’s 2026 Retirement Outlook Survey found that 28% of Gen Xers surveyed ages 55–60 were very or extremely concerned about having enough income to last their lifetime, twice the rate of Boomers ages 61–75 (14%). The survey also found that consumer priorities are shifting from accumulating assets toward protecting and drawing down what has already been built, with 61% of respondents placing greater importance on protecting their assets than growing them, and 38% reporting they do not yet have a specific retirement income plan in place.

"Retirement isn't just about what you save. It's about what your savings can do for you once the paycheck stops," said Emily LeMay and Jason Bickler, Co-Heads of Individual Markets at Global Atlantic. "As more people take responsibility for funding their own retirement, protecting what they've built and creating income that lasts are becoming fundamental to retirement security."

ForeLifetime Income offers two paths to build that income, which is selected at the time of application, based on when a client plans to activate income:

Income Options

The Income Payout Rider offers a higher Lifetime Withdrawal Percentage with no Deferral Bonus, and is designed for clients who plan to activate income sooner.
The Income Builder Rider applies an annual 10% Deferral Bonus to the Withdrawal Base for up to 10 years, or until income is activated, and is designed for clients who plan to defer income longer.

ForeLifetime Income is issued by Forethought Life Insurance Company, a Global Atlantic subsidiary, and is available through financial professionals. Individuals are encouraged to work with their financial professional to determine whether the product fits their retirement income needs.

About Global Atlantic

Global Atlantic is a leading provider of retirement security and investment solutions with operations in the U.S. and Bermuda. As a wholly-owned subsidiary of KKR (NYSE:KKR), a leading global investment firm, Global Atlantic combines deep insurance expertise with KKR’s powerful investment capabilities. Together, they deliver long-term financial security for millions of individuals and risk-focused, client-driven solutions for institutions. With a broad suite of annuity, preneed life insurance, reinsurance, and investment solutions, Global Atlantic, through its issuing companies, helps people achieve their financial goals with confidence. For more information, please visit www.globalatlantic.com.

NOT FOR USE IN IDAHO, MISSISSIPPI, AND OREGON

This material is intended to provide educational information regarding either the features and mechanics of the product or for general reference/education and is intended for use with the general public. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.

Guarantees provided are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. All guarantees and crediting are dependent on the claims paying ability of the issuer.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. This 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 your tax or legal counsel for advice.

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 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 withdrawal charges may also apply. Withdrawals may reduce any optional guaranteed amounts in an amount more than the actual withdrawal.

ForeLifetime Income fixed index annuity is issued by Forethought Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. ForeLifetime Income is available with Contract FA1801SPDA-01 and ICC17 FA1801SPDA-01 and rider forms FA4101-01, ICC17-FA4101-01, FA4106-01, ICC17-FA4106-01, FA4107-01, ICC17-FA4107-01, FA4110-01, ICC17-FA4110-01, RA23-WCW-01, ICC23-RA23-WCW-01, FA4111-01, ICC17-FA4111-01, FA4112 02, ICC21-FA4112-02, RA22IS-2YP-01, ICC22- RA22IS-2YP-01, RA23-NCW-01, ICC23-RA23-NCW-01, RA23-TIW-01, ICC23-RA23-TIW-01, ICC23-RA23 PREM-01, RA23-PREM-02-FL, RA23- PREM-01, ICC26-RA26-GLWBIP-01, RA26-GLWBIP-01, ICC26-RA26- GLWBIB-01, RA26-GLWBIB-01, ICC26-RA26 ILR-01, RA26-ILR-01, ICC26-RA26-APA-01, and RA26-APA-01.

Products, features, and marketing materials are subject to state and firm availability and variations. Read the Contract for complete details.

Global Atlantic is the marketing name for The Global Atlantic Financial Group LLC and its subsidiaries, including Forethought Life Insurance Company. Each subsidiary is responsible for its own financial and contractual obligations. Forethought Life Insurance Company is not authorized to write insurance business in New York.


¹ Source: U.S. Bureau of Labor Statistics, National Compensation Survey, "Employee Benefits in the United States — March 2025

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