Fidelity & Guaranty Life Insurance Co Watch

from S-1 1 page Specifications Page – Guaranteed Monthly Payment Tables

from S-1 2 pages Subject to the Terms and Qualification Criteria Outlined in This Rider, Any Applicable Surrender Charges May Be Waived on Withdrawal and Surrender if the Terminal Illness Qualifying Life Is Diagnosed With a Terminal Illness; This Waiver Is in Lieu Of, and Not in Addition To, Any Other Surrender Charge Waiver Available Under Your Contract, Including Those Attached by Rider and/or Endorsement. When This Waiver Is Available and Applied, the Contract’s Account Value Will Not Include Application of a Surrender Charge. Rider Specifications What Specifications Apply to This Surrender Charge Waiver? This Rider Uses a Terminal Illness Qualifying Life, Terminal Illness Life Expectancy, and Terminal Illness Ineligibility Period. Where Are the Specifications Located for This Surrender Charge Waiver? All Specifications Applicable Under This Rider Are Shown in the Rider Specifications Table. Which Specifications Are Guaranteed? All Specifications Under This Rider Are Guaranteed, Including Terminal Illness Qualifying Life, Terminal Illness Life Expectancy, and Terminal Illness Ineligibility Period. These Specifications Are Set on the Rider Effective Date and Will Not Change. Which Specifications Are Not Guaranteed and Are Subject to Change?

from S-1 2 pages Surrender Charge Waiver Rider – Required Minimum Distributions

from S-1 3 pages Surrender Charge Waiver Rider – Nursing Home Confinement

from S-1 4 pages Surrender Charge Waiver Rider – Impairment

from S-1 2 pages Return of Premium Death Benefit Rider This Rider Is a Part of the Contract to Which It Is Attached. It Is Subject to the Terms, Conditions, and Provisions Contained in the Contract. the Following Provisions Are Added to the Contract. This Rider Will Supersede Any Conflicting Provisions of the Contract. Rider Specifications Table

from S-1 1 page Specifications Page–free Withdrawal Free Withdrawal Start Year: Contract Year [1]

from S-1 2 pages Free Withdrawal Rider

from S-1 1 page Specifications Page–interest Strategy Allocations Interest Strategies Available on the Issue Date

from S-1 1 page Specifications Page–fixed Interest Strategy Rider

from S-1 3 pages Fixed Interest Strategy Rider

from S-1 9 pages Annual Lock With Buffer Index-Linked Interest Strategy Rider This Rider Is a Part of the Contract to Which It Is Attached. It Is Subject to the Terms, Conditions, and Provisions Contained in the Contract. the Following Provisions Are Added to the Contract. This Rider Will Supersede Any Conflicting Provisions of the Contract

from S-1 8 pages Point-To-Point With Buffer MI Index-Linked Interest Strategy Rider This Rider Is a Part of the Contract to Which It Is Attached. It Is Subject to the Terms, Conditions, and Provisions Contained in the Contract. the Following Provisions Are Added to the Contract. This Rider Will Supersede Any Conflicting Provisions of the Contract

from S-1 8 pages Point-To-Point With Floor Index-Linked Interest Strategy Rider This Rider Is a Part of the Contract to Which It Is Attached. It Is Subject to the Terms, Conditions, and Provisions Contained in the Contract. the Following Provisions Are Added to the Contract. This Rider Will Supersede Any Conflicting Provisions of the Contract

from S-1 8 pages Point-To-Point With Buffer Index-Linked Interest Strategy Rider

from S-1 1 page Specifications Page – General

from S-1 15 pages Non-Participating Single Premium Deferred Annuity With Index-Linked Interest Strategies [And Waiver of Surrender Charges]