Document:

EX-4.g

 Exhibit 4.g 

Fidelity & Guaranty Life Insurance Company 

SPECIFICATIONS PAGE–INDEX-LINKED INTEREST STRATEGY RIDER(S) 

 
  

The elements used in determining the credited rate from the index are not guaranteed and can be changed by Us, subject to the guarantees in this Contract, and
any such changes can affect the return. 
  

																					
	 Index-Linked Interest Strategy
	 	Buffer
Rate	 	Floor
Rate	 	 Initial
Cap
Rate*
	 	 Initial
Participation
Rate*
	 	 Initial
Spread
Rate*
	 	 Initial
Performance
Trigger
Rate*
	 	 Minimum
Cap Rate
	 	 Minimum
Participation
Rate
	 	 Maximum
Spread
Rate
	 	 Minimum
Performance
Trigger Rate

	 [PTP with Buffer Cap]
	 	[10%]	 	[n/a]	 	[3.00%]	 	[100%]	 	[0.00%]	 	[n/a]	 	[1.00%]	 	[10%]	 	[0.00%]	 	[n/a]
	 [PTP with Buffer Performance Trigger]
	 	[20%]	 	[n/a]	 	[n/a]	 	[n/a]	 	[n/a]	 	[2.50%]	 	[n/a]	 	[n/a]	 	[n/a]	 	[1.00%]
	 [PTP with Floor Cap]
	 	[n/a]	 	[-10%]	 	[3.00%]	 	[100%]	 	[0.00%]	 	[n/a]	 	[1.00%]	 	[10%]	 	[0.00%]	 	[n/a]
	 [PTP with Buffer Cap]
	 	[10%]	 	[n/a]	 	[3.00%]	 	[100%]	 	[0.00%]	 	[n/a]	 	[1.00%]	 	[10%]	 	[0.00%]	 	[n/a]
	 [PTP with Buffer Cap]
	 	[10%]	 	[n/a]	 	[3.00%]	 	[100%]	 	[0.00%]	 	[n/a]	 	[1.00%]	 	[10%]	 	[0.00%]	 	[n/a]
	 [PTP with Multi-Index Buffer Cap]
	 	[10%]	 	[n/a]	 	[3.00%]	 	[100%]	 	[0.00%]	 	[n/a]	 	[1.00%]	 	[10%]	 	[0.00%]	 	[n/a]
	 [Annual Lock Buffer]
	 	[10%]	 	[n/a]	 	[3.00%]	 	[100%]	 	[0.00%]	 	[n/a]	 	[1.00%]	 	[10%]	 	[0.00%]	 	[n/a]
	 [...]
	 		 		 		 		 		 		 		 		 		 	

  

	*	 Cap Rate, Spread Rate, Participation Rate and Performance Trigger Rate are declared in advance of a Crediting
Period (as applicable) and guaranteed for that Crediting Period. The declared Cap Rate for any Crediting Period, if applicable, will not be less than the Minimum Cap Rate for the Crediting Strategy. The declared Participation Rate for any Crediting
Period, if applicable, will not be less than the Minimum Participation Rate for the Crediting Strategy. The declared Spread Rate for any Crediting Period, if applicable, will not be greater than the Maximum Spread Rate for the Crediting Strategy.
The declared Performance Trigger Rate for any Crediting Period will not be less than the Minimum Performance Trigger Rate for the Crediting Strategy. 

ASSET ADJUSTMENT SPECIFICATIONS TABLE 
  

			
	Initial Asset Adjustment Period	  	 [X] Contract Years
  

The Initial Asset Adjustment Period begins on the rider effective date.
  

[After the Initial Asset Adjustment Period, the Asset Adjustment is equal to zero.]
  

[After the Initial Asset Adjustment Period, a new Asset Adjustment Period begins for each subsequent Crediting Period.]

		
	Asset Adjustment Reference Index	  	[TCM yield curve or Barclays US Aggregate Index] [Yield Rate] [with time to maturity equal to the [remaining] MVA Period]. [Straight line interpolation is used to determine the rate for a period to maturity not
published.]
		
	[Asset Adjustment Reference Index Disclosure	  	[current disclosure language]]

  
 [1] 

SPEC-RILA-INDEX-LINKED (05-22) 

 Fidelity & Guaranty Life Insurance Company 

SPECIFICATIONS PAGE–INDEX-LINKED INTEREST STRATEGY RIDER(S) (CONTINUED) 

 
  

 Index Definitions 

Index-linked returns do not include the portion of returns generated by the underlying index that come from dividends, unless specified otherwise. 

 

	 	•	 	 [S&P 500 is the Standard & Poor’s 500 Composite Stock Price Index (which excludes dividends);
its Index Value is the closing value of the S&P 500 index.] 

  

	 	•	 	 [Gold is the gold commodity as defined by the London Bullion Market Association; its Index Value is Gold Price,
defined as the USD p.m. closing price of Gold printed by the London Bullion Market Association.] 

  

	 	•	 	 [BXIITBZ5 is the Barclays Trailblazer Sectors 5 Index; its Index Value is the closing value of the BXIITBZ5
index.] 

  

	 	•	 	 [IVV is the iShares Core S&P 500 ETF; its Index Value is the closing price of the ETF, generally the last
price at which the ETF trades during a regular trading session on its primary exchange listing.] 

  

	 	•	 	 [EFA is the iShares MSCI EAFE ETF; its Index Value is the closing price of the ETF, generally the last price at
which the ETF trades during a regular trading session on its primary exchange listing.] 

  

	 	•	 	 [LQD is the iShares iBoxx $ Investment Grade Corporate Bond ETF; its Index Value is the closing price of the ETF,
generally the last price at which the ETF trades during a regular trading session on its primary exchange listing.] 

  

	 	•	 	 [IEF is the iShares 7-10 Year Treasury Bond ETF; its Index Value is the
closing price of the ETF, generally the last price at which the ETF trades during a regular trading session on its primary exchange listing.] 

  

	 	•	 	 [IYR is the iShares US Real Estate ETF; its Index Value is the closing price of the ETF, generally the last price
at which the ETF trades during a regular trading session on its primary exchange listing.] 

  

	 	•	 	 [IAU is the iShares Gold Trust; its Index Value is the closing price, generally the last price at which the
iShares Gold Trust trades during a regular trading session on its primary exchange listing.] 

  

	 	•	 	 [Balanced Asset 10 is the Balanced Asset 10 Index; its Index Value is the closing price of the CIBQB10E index.]

  

	 	•	 	 [Balanced Asset 5 is the Balanced Asset 5 Index; its Index Value is the closing price of the CIBQB05E index.]

  

	 	•	 	 [MSUSMSDR is the Morgan Stanley Dynamic Rotator Index; its Index Value is the closing value of the MSUSMSDR
index.] 

  

	 	•	 	 [GSGFI5E is the Goldman Sachs Global Factor Index; its Index Value is the closing value of the GSGFI5E index.]

  

	 	•	 	 [BOFAMPGR, BOFAMPBA, BOFAMPDE Indices; the Index Values are the closing value of each index. Indices are used in
conjunction with a multi-index strategy.] 

  

	 	•	 	 [MXEA is the MSCI EAFE Index; its Index Value is the closing value of the MXEA index. 

 

	 	•	 	 [RTY is the Russell 2000 Index; its Index Value is the closing value of the RTY index.] 

 

	 	•	 	 [NDX is the Nasdaq-100 Index; its Index Value is the closing value of the
NDX index.] 

  
 [2] 

SPEC-RILA-INDEX-LINKED (05-22) 

 Fidelity & Guaranty Life Insurance Company 

SPECIFICATIONS PAGE–INDEX DISCLOSURE(S) 

 
  

[S&P 500 Index] 
 [current disclosure language] 

[Barclays Trailblazer Sectors 5 Index] 
 [current
disclosure language] 
 [ETF] 
 [current disclosure
language] 
 [Balanced Asset 10/5] 
 [current disclosure
language] 
 [Morgan Stanley Dynamic Rotator] 
 [current
disclosure language] 
 [Goldman Sachs Global Factor] 

[current disclosure language] 
 [Hindsight 20/20] 

[current disclosure language] 
 [MSCI EAFE] 

[current disclosure language] 
 [Russell 2000] 

[current disclosure language] 
 [Nasdaq 100] 

[current disclosure language] 

  
 [3] 

SPEC-RILA-INDEX-LINKED (05-22)EX-4.h

 Exhibit 4.h 

Fidelity & Guaranty Life Insurance Company 

FIXED 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. 

RIDER OVERVIEW 
 WHEN IS THIS RIDER EFFECTIVE? 

The rider effective date is the Issue Date. 
 WHAT BENEFIT
DOES THIS RIDER PROVIDE? 
 This rider provides a fixed interest strategy to the annuity Contract to which this rider is attached; the fixed interest
strategy offered under this rider shall be hereafter referred to as “strategy”. The percentage of Account Value allocated to the strategy provided under this rider is subject to a declared fixed interest rate. 

WHAT IS A STRATEGY? 
 Strategies determine the amount of
interest, if any, that is credited to the Strategy Account Value. 
 RIDER SPECIFICATIONS 

WHAT SPECIFICATIONS APPLY TO THE STRATEGY AVAILABLE UNDER THIS RIDER? 

This rider uses a Fixed Interest Rate to calculate the interest credited to the Strategy Account Value. 

WHERE ARE THE SPECIFICATIONS LOCATED FOR THIS RIDER’S STRATEGY? 

The Specifications Page shows the Initial Annual Fixed Interest Rate, Initial Fixed Interest Rate Guarantee Period, Guaranteed Minimum Fixed Interest Rate, and
Renewal Fixed Interest Rate Guarantee Period. 
 WHICH SPECIFICATIONS ARE GUARANTEED? 

The Initial Annual Fixed Interest Rate, Initial Fixed Interest Rate Guarantee Period, Guaranteed Minimum Fixed Interest Rate, and Renewal Fixed Interest Rate
Guarantee Period are set on the rider effective date and will not change. The Guaranteed Minimum Fixed Interest Rate will not be less than the MGSV Interest Rate. 

WHICH SPECIFICATIONS ARE NOT GUARANTEED AND ARE SUBJECT TO CHANGE? 

The Fixed Interest Rate is not guaranteed and may be changed at Our discretion prior to each Renewal Fixed Interest Guarantee Period. The right to change any
nonguaranteed elements is subject to any guarantees with respect to the element. During the Initial Fixed Interest Rate Guarantee Period, the Fixed Interest Rate will equal the Initial Annual Fixed Interest Rate. Any Fixed Interest Rate applicable
for a Contract Year will not be less than the Guaranteed Minimum Fixed Interest Rate shown on the Specifications Page. 
 WHEN CAN SPECIFICATIONS CHANGE?

 After the Initial Fixed Interest Rate Guarantee Period has elapsed, We will declare a renewal Fixed Interest Rate prior to each Renewal Fixed Interest
Rate Guarantee Period to be effective for that period. Any renewal Fixed Interest Rate will be guaranteed for the Renewal Fixed Interest Rate Guarantee Period only. 

ALLOCATION / REALLOCATION 
 HOW IS PREMIUM ALLOCATED TO
THE STRATEGIES? 
 Initial Premium will be allocated according to Your election to any strategies available under this rider, the base Contract to which
this rider is attached, and/or any other riders or endorsements attached to Your Contract. The Strategy Premium allocated to the strategy available under this rider must be either zero or at least the Minimum Strategy Account Value. The Strategy
Premium for each strategy is shown on the Specifications Page. 
 CAN ACCOUNT VALUE BE REALLOCATED AFTER THE EFFECTIVE DATE? 

Yes; You may reallocate Account Value allocated to the strategy available under this rider to any other strategy or combination of strategies available within
the Contract to which this rider is attached. Any reallocation will become effective on the next eligible Contract Anniversary, subject to the limitations below; You must notify Us of any reallocation prior to such date. All reallocations of any
Account Value are subject to any changes, limitations, and/or suspensions that are in effect at the time of the reallocation. 

  
 [1] 

RILA-FIXED-NB (05-22) 

 Fidelity & Guaranty Life Insurance Company 

FIXED INTEREST STRATEGY RIDER (CONTINUED) 
  

 

 Reallocations Out of Strategy. Funds may be reallocated out of the strategy available under this rider
and into any other permitted strategies attached to Your Contract in amounts of at least the Minimum Transfer Amount on the next eligible Contract Anniversary after interest is credited. The Minimum Transfer Amount is shown on the Specifications
Page. The Strategy Account Value remaining after any Transfer must either be zero or at least the Minimum Strategy Account Value shown on the Specifications Page. 

Reallocations into Strategy. Funds may be reallocated into the Strategy Account Value for the strategy available under this rider on any Contract
Anniversary after all eligible interest is credited under the Contract for that Contract Anniversary. Reallocations out of the originating strategy are subject to any limitations in the rider for that strategy. The Strategy Account Value after funds
are reallocated into any strategy must be at least the Minimum Strategy Account Value shown on the Specifications Page. 
 STRATEGY VALUES 

WHAT IS THE STRATEGY PREMIUM? 
 This strategy has its own
Strategy Premium. The Strategy Premium is shown on the Specifications Page and is the beginning value for Strategy Account Value on the rider effective date. 

HOW IS THE STRATEGY PREMIUM CALCULATED? 
 The Strategy
Premium is equal to A x B, where: 
  

	 	•	 	 A is the Premium; and 

 

	 	•	 	 B is the Initial Allocation Percentage for the strategy as of the rider effective date.

 WHAT IS THE STRATEGY ACCOUNT VALUE? 

This strategy has its own Strategy Account Value. Fixed Interest is credited to the Strategy Account Value. The Strategy Account Value is used to calculate
Your Contract’s Account Value. 
 HOW IS THE STRATEGY ACCOUNT VALUE CALCULATED? 

On the rider effective date, the Strategy Account Value for the strategy equals the Strategy Premium. 

After the rider effective date, the Strategy Account Value will decrease if any Withdrawals are taken from the strategy. The Strategy Account Value after the
Withdrawal equals C – D + E, where: 
  

	 	•	 	 C is the Strategy Account Value immediately prior to the Withdrawal; 

 

	 	•	 	 D is the amount of the Withdrawal allocated to the strategy, including any applicable Surrender Charge
thereon; and 

  

	 	•	 	 E is any reallocation of Death Benefits on the Death Claim Date, if applicable. 

Each day after the rider effective date, the Strategy Account Value will increase for any Fixed Interest. The Strategy Account Value after interest is
credited is equal to F + G, where: 
  

	 	•	 	 F is the Strategy Account Value immediately prior to any Fixed Interest; and 

 

	 	•	 	 G is the Fixed Interest for that day, calculated as described in the HOW IS THE DAILY FIXED INTEREST
CALCULATED provision of this rider. 

 At the end of the Contract Year, the Strategy Account Value is adjusted for any reallocations. The
Strategy Account Value after reallocations is equal to H + J – K, where: 
  

	 	•	 	 H is the Strategy Account Value immediately prior to the reallocation, after any Fixed Interest are
applied for that day; 

  

	 	•	 	 J is the amount of any reallocations in to the strategy; and 

 

	 	•	 	 K is the amount of any reallocations out of the strategy. 

  
 [2] 

RILA-FIXED-NB (05-22) 

 Fidelity & Guaranty Life Insurance Company 

FIXED INTEREST STRATEGY RIDER (CONTINUED) 
  

 

 FIXED INTEREST 

WHAT IS FIXED INTEREST? 
 Fixed Interest is the amount of
interest credited over the course of a Contract Year to the Strategy Account Value at the declared Fixed Interest Rate. 
 WHEN IS FIXED INTEREST APPLIED
TO THE STRATEGY ACCOUNT VALUE? 
 Fixed interest is calculated and credited to the Strategy Account Value on a daily basis over the course of a Contract
Year. 
 HOW IS THE DAILY FIXED INTEREST CREDIT CALCULATED? 

During the Initial Fixed Interest Rate Guarantee Period, the Strategy Account Value for this strategy will be credited at the daily equivalent rate of the
annual-effective Initial Annual Fixed Interest Rate. After the Initial Fixed Interest Rate Guarantee Period, any funds allocated to the Fixed Interest Strategy will be credited with interest at the daily equivalent rate of the currently declared,
annual-effective Fixed Interest Rate. 
 GENERAL PROVISIONS 

IS THIS RIDER PARTICIPATING AND DOES IT PROVIDE FOR PAYMENT OF DIVIDENDS? 

No; this Rider is not participating and dividends are not payable. 

IS THERE A CHARGE FOR THIS RIDER? 
 No; there is no
explicit charge deducted from your Account Value for this rider. 
 WHEN DOES THIS RIDER TERMINATE? 

The rider will terminate when the Contract terminates. 

Signed for the Company. 
  

	
	Fidelity & Guaranty Life Insurance Company
	
	
	[Chris Blunt]
	President

  
 [3] 

RILA-FIXED-NB (05-22)

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