Updated November 2026
Short answer: F&G's top starting comp on our annuity carrier list is 8.5%, on Accelerator Plus with the 14-year surrender period for issue ages 0-75. Prosperity Elite 14 pays 8% for ages 0-70, six more products pay 7.5%, and Guarantee Platinum and Immediate Income pay 2.25% and 2%.
Our job is to beat your current annuity commission.
Stuck at your current commission level, or simply want higher commission? Our sole purpose is to scale your business by beating your current commission levels. No matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp is for every producer, including new producers with no experience — there is no production minimum. If you have strong production to show, we contract you above our starting comp. Established agencies, financial advisors and financial firms, and healthcare agencies can earn much higher too. Submit your application, schedule a Zoom, and we review your current commission levels carrier by carrier and contract you above them — with full back office support, case management, carrier contracting and sales tools included.
F&G starting comp by product
F&G has one of the deepest commission grids on our list. Accelerator Plus 14 pays 8.5%, Prosperity Elite 14 pays 8%, and six more products reach 7.5%: Accumulator Plus, Performance Pro, Power Accumulator, Flex Accumulator, Safe Income Advantage and 1-2-3. F&G is headquartered in Des Moines, Iowa, and has been part of Fidelity National Financial since 2020. The table shows the top starting comp for each F&G product on our annuity carrier list, with rates verified in October 2026. Starting comp is the level every producer starts at, with no experience requirement and no production minimum.
| Product | Top starting comp | Where the top rate applies |
|---|---|---|
| Accelerator Plus | 8.5% | 14 Yr · Age 0-75 |
| Prosperity Elite | 8% | 14 Yr · Age 0-70 |
| Accumulator Plus | 7.5% | 10 Yr · Age 0-75 |
| Performance Pro | 7.5% | Age 0-75 |
| Power Accumulator | 7.5% | 10 Yr · Age 0-75 |
| Flex Accumulator | 7.5% | Age 0-75 |
| Safe Income Advantage | 7.5% | Age 0-75 |
| 1-2-3 | 7.5% | Age 0-75 |
| Guarantee Platinum | 2.25% | 7 Yr · Age 0-79 |
| Immediate Income | 2% | Age 0-89 |
See the full F&G grid for every surrender period, issue-age band and payout option.
How to read the F&G grid
Accelerator Plus shows how surrender length and age interact. On our grid the 14-year version pays 8.5% for issue ages 0-75, 6.5% for ages 76-80 and 4.25% for ages 81-85; the 10-year version pays 7.5%, 5.5% and 3.75% for the same bands. Prosperity Elite's top 8% applies to ages 0-70 on the 14-year version.
- Issue age: commission steps down in older age bands, so the same product pays less for an older client.
- Surrender period: longer surrender periods pay more than shorter ones. Never choose a longer period for the commission; it has to fit the client.
- Payout option: heaped options pay the full first-year commission at issue; trail options pay less up front and a percentage in later years. See heaped vs trail commissions.
- Chargebacks: if a contract is surrendered or the owner dies within the carrier's chargeback window, part of the commission can be recovered. Check the current terms in your contract.
How F&G compares with other carriers
F&G's 8.5% top rate ties with Prosperity Life Group (S.USA) and SILAC for fifth among the 68 carriers on our list, behind Mountain Life (10%) and American National, EquiTrust and National Western (9%). Its depth stands out: eight F&G products reach 7.5% or more. See our ranking of the highest-paying annuity carriers for how the top starting comp compares across all 68 carriers.
Getting contracted with F&G through BetterAnnuityComp.com
We handle F&G contracting and appointments, the carrier's product and AML training requirements, and case management from application to issue. If you already write F&G business elsewhere, share your current level: our job is to beat your current commission level carrier by carrier. Producers with strong production to show are contracted above starting comp.
Frequently asked questions
What is F&G's highest annuity commission?
On our carrier list, F&G's highest starting comp is 8.5% on Accelerator Plus with the 14-year surrender period for issue ages 0-75. Rates were verified in October 2026 and can change.
How many F&G annuities pay 7.5% or more?
Eight on our list: Accelerator Plus (8.5%), Prosperity Elite (8%), and Accumulator Plus, Performance Pro, Power Accumulator, Flex Accumulator, Safe Income Advantage and 1-2-3 (7.5% each).
How much does F&G pay for older clients?
Rates step down by issue age. Accelerator Plus 14, for example, pays 8.5% at ages 0-75, 6.5% at 76-80 and 4.25% at 81-85.
How do I get contracted with F&G through BetterAnnuityComp.com?
Apply online. We handle the F&G contracting paperwork and appointment, point you to the carrier's required product and AML training, and support your cases from application to issue. Starting comp has no experience requirement and no production minimum, and producers with strong production to show are contracted above it.
Can BetterAnnuityComp.com beat my current annuity commission?
That is our sole job: no matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp is for every producer, including new producers with no experience, and there is no production minimum. If you have strong production to show, we contract you above our starting comp, and established agencies, financial advisors and financial firms, and healthcare agencies can earn above it too. Submit your application, schedule a Zoom and share your current commission levels by carrier. We compare them carrier by carrier and contract you above them, with full back office support, case management, carrier contracting and sales tools included.
Sources
- BetterAnnuityComp.com annuity carrier list: F&G grid
- NAIC Suitability in Annuity Transactions Model Regulation (#275)
Want to write F&G above starting comp? BetterAnnuityComp.com, powered by BetterLifeQuotes.com, works to beat your current annuity commission — starting comp has no experience requirement and no production minimum, and strong producers are contracted higher — plus case management and carrier contracting. Solo producers and advisors can apply here, agencies can use the agency application, and anyone can browse the annuity carrier list. See how we beat your current commission.