Terms and Conditions

Terms and Conditions for Use of this Web Site

This page sets forth the terms and conditions of the agreement (the "Agreement") under which F&G makes this site available to you, as well as the terms and conditions governing your use of this site. The SalesLink Web site (the "Service") is an online information service provided by F&G, subject to your compliance with the terms and conditions set forth below. Please read this document carefully before accessing or using the Service. By accessing or using the Service, you agree to be bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not access or use the Service. F&G may modify the terms and contains contained in this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement on the Service or upon F&G mailing to you a copy of the modified Agreement. You agree to review the Agreement posted on the Service (if any) periodically to be aware of such modifications and your continued access or use of the Service shall be deemed your conclusive acceptance of the modified Agreement.

  1. "F&G" is the marketing name for Fidelity & Guaranty Life Insurance Company and, in New York only, Fidelity & Guaranty Life Insurance Company of New York. F&G, incorporated in 1959, and Fidelity & Guaranty Life Insurance Company of New York, incorporated in 1962, have a solid commitment to serving the individuals F&G knows best - middle market consumers seeking the safety, protection, accumulation potential and income features of life insurance and annuity products. F&G continues to offer its series of focused life insurance and annuity products through its network of independent marketing organizations.
  2. Copyright. The entire contents of the Service are copyrighted under the United States copyright laws. The owner of the copyright is F&G. You may print and download portions of material from the different areas of the Service solely for your use in transacting business with F&G. Any other copying, redistribution, retransmission or publication of any downloaded material is strictly prohibited without the express written consent of F&G. You agree not to change or delete any proprietary notices from materials downloaded from the Service.
  3. Use of the Service. You understand that F&G endeavors to regularly update the data available through the Service, but the data you can access through the Service may not represent the most recent data available to F&G. F&G does not warrant that the Service will be uninterrupted or error-free or that defects in the Service will be corrected. The Service, the data available from the Service and any software downloaded from the Service are provided on an "as is, as available" basis. Nothing in the Service is intended to alter the contractual relationship that you have with F&G as a sales representative for F&G, and in the event of any conflict between the data available from the Service and the provisions of your agency agreement with F&G, the agency agreement shall govern and control.
    You understand that F&G cannot and does not guarantee or warrant that files or data available for downloading through the Service will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Service for the reconstruction of any lost data. You assume total responsibility and risk for your use of the Service and the Internet. F&G does not make, and expressly disclaims making, any express or implied warranties, representations or endorsements whatsoever (including without limitation the implied warranties of merchantability or fitness for a particular purpose) with regard to the Service, and F&G shall not be liable for any cost or damage arising either directly or indirectly from any such transaction.
    In no event will F&G be liable for (a) any direct, incidental, consequential, punitive, special, indirect or other damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the Service, or any information, or transactions provided on the Service or downloaded from the Service, even if F&G or its authorized representatives have been advised of the possibility of such damages, or (b) any claim attributable to errors, omissions, or other inaccuracies in the Service and/or materials or information downloaded or accessed through the Service. F&G shall not be liable to you for any delay or failure of this Service due to any events or circumstances beyond its reasonable control, including, but not limited to war, riots, insurrection, civil commotion, fire, flood, storm or other natural disasters.
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  5. Miscellaneous. This Agreement shall all be governed and construed in accordance with the laws of the State of Iowa applicable to agreements made and to be performed in Iowa. You agree that any legal action or proceeding between F&G and you for any purpose concerning this Agreement or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Iowa. Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. F&G's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. F&G may assign its rights and duties under this Agreement to any party at any time without notice to you.

Market Index Disclaimer

The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ("SPDJI") and has been licensed for use by Fidelity & Guaranty Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Fidelity & Guaranty Life Insurance Company. These Annuities and Life Insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

The "DJ US Real Estate Daily Risk Control 10% USD Total Return Index" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ("SPDJI") and has been licensed for use by Fidelity & Guaranty Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Fidelity & Guaranty Life Insurance Company. These Annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the DJ US Real Estate Daily Risk Control 10% USD Total Return Index.

Risk control seeks to provide smoother returns and mitigate sharp market fluctuations. While this type of strategy can lessen the impact of market downturns, it can also lessen the impact of market upturns, potentially limiting upside potential.

Barclays Bank PLC and its affiliates ("Barclays") is not the issuer or producer of Fixed Indexed Annuities and Barclays has no responsibilities, obligations or duties to contract owners of Fixed Indexed Annuities. The Index is a trademark owned by Barclays Bank PLC and licensed for use by Fidelity & Guaranty Life Insurance Company as the Issuer of Fixed Indexed Annuities. While Fidelity & Guaranty Life Insurance Company as Issuer of Fixed Indexed Annuities may for itself execute transaction(s) with Barclays in or relating to the Index in connection with Fixed Indexed Annuities. Contract owners acquire Fixed Indexed Annuities from Fidelity & Guaranty Life Insurance Company and contract owners neither acquire any interest in Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Fixed Indexed Annuities. The Fixed Indexed Annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Fixed Indexed Annuities or use of the Index or any data included therein.

Barclays shall not be liable in any way to the Issuer, contract owners or to other third parties in respect of the use or accuracy of the Index or any data included therein.

Volatility control seeks to provide smoother returns and mitigate sharp market fluctuations. While this type of strategy can lessen the impact of market downturns, it can also lessen the impact of market upturns, potentially limiting upside potential.

Ice Benchmark Administration Limited makes no warranty, express or implied, either as to the results to be obtained from the use of the LBMA gold price and/or the figure at which the LBMA gold price stands at any particular time on any particular day or otherwise. Ice Benchmark Administration makes no express or implied warranties of merchantability or fitness for a particular purpose for use with respect to this annuity product. Precious Metals Limited owns the "LBMA gold price" trade mark.

Disclosure for ETFs

iShares® and BlackRock® are registered trademarks of BlackRock, Inc. and its affiliates ("BlackRock") and are used under license. BlackRock has licensed certain trademarks and trade names of BlackRock to Fidelity and Guaranty Life Insurance Company. Fidelity and Guaranty Life Insurance Company’s products and services are not sponsored, endorsed, sold, or promoted by BlackRock, and BlackRock makes no representations or warranties related to such products or services either to Fidelity and Guaranty Life Insurance Company or any other person or entity, including but not limited to the advisability of investing in the products of Fidelity and Guaranty Life Insurance Company. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of the products or services from Fidelity and Guaranty Life Insurance Company. For more information on iShares, see ishares.com.

Disclosure for Balanced Asset 10 Index™

The Balanced Asset 10 Index™ (the "Index") is the exclusive property of Canadian Imperial Bank of Commerce (Canadian Imperial Bank of Commerce, together with its affiliates, "CIBC"). CIBC has engaged Bloomberg Index Services Limited ("BISL") to maintain and to make certain calculations related to the Index. "Canadian Imperial Bank of Commerce", "CIBC" and "Index" (collectively, the "CIBC Marks") are trademarks or service marks of CIBC. CIBC has licensed use of the Index and the CIBC Marks to Fidelity and Guaranty Life Insurance Company ("F&G") for use in one or more fixed indexed annuities offered by F&G (the "Product(s)"). CIBC is not the issuer of the Products and its sole contractual relationship with F&G is to license the Index and the CIBC Marks to F&G. CIBC developed the Index without considering the needs of F&G or any annuitant. CIBC makes no representation or warranty, express or implied, regarding the Index or its development and has no responsibilities, obligations or liabilities with respect to the inception, adjustment, maintenance, operation or calculation of the Index. For more information on the Balanced Asset 10 index, see indices.cibccm.com/CIBQB10E.

None of CIBC, BISL or any other third-party licensor (collectively, the "Index Parties") to CIBC is acting, or has been authorized to act, as an agent of F&G or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Products or provided investment advice to F&G. No Index Party is a fiduciary or agent of any purchaser, seller or holder of any Product, or has made any representation or warranty, express or implied, regarding the advisability of purchasing, selling or holding any Product or the ability of the Index to track corresponding or relative market performance. Purchasers of any Product neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with any of the Index Parties. No Index Party guarantees the timeliness, accurateness, or completeness of the Index or any data or information relating thereto and shall have no liability in connection with the Index or any data or information relating thereto. No Index Party shall have any liability with respect to any Product, nor any liability for any loss relating to any Product, whether arising directly or indirectly from the use of the Index, its methodology, or otherwise. The selection of the Index as a crediting option under any Product does not obligate F&G to invest annuity premiums in the components of the Index. Any obligation to invest annuity premiums received under the Products are determined solely by F&G.

BLOOMBERG is a trademark and service mark of Bloomberg Finance L.P. (collectively with BISL and their other affiliates, "Bloomberg"). Bloomberg is not affiliated with F&G or CIBC. Bloomberg’s association with CIBC is limited to BISL’s role to act as the administrator and calculation agent of the Index, which is the property of CIBC. Bloomberg does not guarantee the timeliness, accurateness, or completeness of the Index or any data or information relating thereto and shall have no liability in connection with the Index or any data or information relating thereto.

In calculating the level of the Index, the index methodology deducts a maintenance fee of 0.85% per year, calculated daily. This fee will reduce the level of the Index and thus the amount of interest, if any, that will be credited to any Product. Furthermore, while the volatility control applied by CIBC as part of the index methodology may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return for products referencing the Index as compared to other indices not subject to volatility controls.