Document:

EX-4.i

 Exhibit 4.i 

Fidelity & Guaranty Life Insurance Company 

SPECIFICATIONS PAGE–FIXED INTEREST STRATEGY RIDER 

 
  

Initial Annual Fixed Interest Rate: [1.25%] 
 Initial Fixed
Interest Rate Guarantee Period: [1] Contract Year(s) 
 Guaranteed Minimum Fixed Interest Rate: [0.25%] 

Renewal Fixed Interest Rate Guarantee Period: [1] Contract Year(s) 

MGSV Interest Rate: [1.00%] 
 The MGSV Interest Rate applies only
to funds allocated to the Fixed Interest Strategy. The rate is equal to the average of the 5-year Constant Maturity Treasury (CMT) rate from the first day of each month of the past twelve months as of the
month prior to issue, (e.g. the minimum rate for May issued annuities is determined by the above average as of April 1st), rounded to the nearest 5 basis points, less 125 basis points. The rate is
set at issue and remains constant for the life of the annuity. 

  
 [1] 

SPEC-RILA-FIXED (05-22)EX-4.j

 Exhibit 4.j 

Fidelity & Guaranty Life Insurance Company 

SPECIFICATIONS PAGE–INTEREST STRATEGY ALLOCATIONS 

 
  

Interest Strategies Available on the Issue Date 
  

											
	 Interest Strategy
	  	Crediting Period	  	Rider Form	  	 Index / Value Name
	  	Initial
Allocation
Percentage	  	Strategy
Premium
	 [Fixed]
	  	[1] Contract Year[s]	  	[Form Name]	  	[N/A]	  	[5%]	  	[$10,000.00]
	 [PTP with Buffer Cap]
	  	[1] Contract Year[s]	  	[Form Name]	  	[Index Name]	  	[15%]	  	[$15,000.00]
	 [PTP with Buffer Performance Trigger]
	  	[1] Contract Year[s]	  	[Form Name]	  	[Index Name]	  	[20%]	  	[$20,000.00]
	 [PTP with Floor Cap]
	  	[1] Contract Year[s]	  	[Form Name]	  	[Index Name]	  	[25%]	  	[$25,000.00]
	 [PTP with Buffer Cap]
	  	[3] Contract Year[s]	  	[Form Name]	  	[Index Name]	  	[10%]	  	[$15,000.00]
	 [PTP with Buffer Cap]
	  	[3] Contract Year[s]	  	[Form Name]	  	[Index Name]	  	[10%]	  	[$15,000.00]
	 [PTP with Multi-Index Buffer Cap]
	  	[6] Contract Year[s]	  	[Form Name]	  	[Multi-Index Name ([ticker], [ticker], [ticker])]	  	[10%]	  	[$15,000.00]
	 [Annual Lock Buffer]
	  	[6] Contract Year[s]	  	[Form Name]	  	[Index Name]	  	[5%]	  	[$15,000.00]
	 [...]
	  		  		  		  		  	

 Minimum Transfer Amount: [$2,000.00] 

Minimum Strategy Account Value: [$2,000.00] 

  
 [1] 

SPEC-RILA-ALLOC (05-22)EX-4.k

 Exhibit 4.k 

Fidelity & Guaranty Life Insurance Company 

FREE WITHDRAWAL 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? 
 Under Your base Contract, Surrender Charges are assessed on Withdrawals and Surrender. The Free Withdrawal Amount provided by
this rider is the amount that may be withdrawn from this Contract during a Contract Year without incurring a Surrender Charge. 
 RIDER SPECIFICATIONS

 WHAT SPECIFICATIONS APPLY TO THIS FREE WITHDRAWAL RIDER? 

This rider uses a Free Withdrawal Start Year, Free Withdrawal Percentage, and Free Withdrawal Basis to determine the Free Withdrawal Amount for each Contract
Year. The Free Withdrawal Percentage and Free Withdrawal Basis may vary by Contract Year. 
 WHERE ARE THE SPECIFICATIONS LOCATED FOR THIS FREE
WITHDRAWAL RIDER? 
 All specifications applicable under this rider are shown on the Specifications Page. 

WHICH SPECIFICATIONS ARE GUARANTEED? 
 All specifications
under this rider are guaranteed, including Free Withdrawal Start Year, Free Withdrawal Percentage, and Free Withdrawal Basis. These specifications are set on the rider effective date and will not change. 

WHICH SPECIFICATIONS ARE NOT GUARANTEED AND ARE SUBJECT TO CHANGE?     

All specifications applicable under this rider are guaranteed, though the current value used in the Free Withdrawal Amount calculation is determined according
to the Free Withdrawal Basis and may vary by Contract Year. 
 FREE WITHDRAWAL 

WHAT IS A FREE WITHDRAWAL? 
 A Free Withdrawal is any
amount withdrawn which does not exceed the Free Withdrawal Amount. The Free Withdrawal Amount may vary by Contract Year. 
 Free Withdrawals do not incur a
Surrender Charge. 
 HOW IS THE FREE WITHDRAWAL AMOUNT CALCULATED? 

For any Contract Year prior to the Free Withdrawal Start Year, the Free Withdrawal Amount is zero (0). 

For any Contract Year beginning with the Free Withdrawal Start Year, the Free Withdrawal Amount is equal to (A x B) – C, where: 

 

	 	•	 	 A is the Free Withdrawal Percentage; and 

 

	 	•	 	 B is the value of the Free Withdrawal Basis. The timing and value of the Free Withdrawal Basis is
described on the Specifications Page. 

  

	 	•	 	 C is any amounts previously withdrawn in the current Contract Year which were not subject to Surrender
Charges. 

 CAN THE FREE WITHDRAWAL AMOUNT BE CARRIED OVER TO THE NEXT CONTRACT YEAR? 

No; any unused Free Withdrawal Amount during a Contract Year is not carried over to any subsequent Contract Years. 

CAN A WITHDRAWAL EXCEED THE FREE WITHDRAWAL AMOUNT? 
 Yes,
Withdrawals can be made in any amount, subject to the limitations of Your Contract. Any amount withdrawn from the Contract in excess of the Free Withdrawal Amount will be subject to any applicable Surrender Charge. 

  
 [1] 

RILA-FW (05-22) 

 Fidelity & Guaranty Life Insurance Company 

FREE WITHDRAWAL RIDER (CONTINUED) 
  

 

 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

  
 [2] 

RILA-FW (05-22)EX-4.l

 Exhibit 4.l 

Fidelity & Guaranty Life Insurance Company 

SPECIFICATIONS PAGE–FREE WITHDRAWAL 
  

 
 Free Withdrawal Start Year: Contract Year [1] 

 

					
	 Contract Year
	  	 Free Withdrawal Percentage
	  	 Free Withdrawal Basis

	[1]	  	[5%]	  	[Premium]
	[2]	  	[10%]	  	[Premium]
	[3]	  	[10%]	  	[Account Value at beginning of Contract Year]
	[4]	  	[10%]	  	[Account Value at beginning of Contract Year]
	[5]	  	[10%]	  	[Account Value at beginning of Contract Year]
	[6]	  	[10%]	  	[Account Value at beginning of Contract Year]
	[7]	  	[10%]	  	[Account Value at beginning of Contract Year]
	[8]	  	[10%]	  	[Account Value at beginning of Contract Year]
	[9]	  	[10%]	  	[Account Value at beginning of Contract Year]
	[10]+	  	[100%]	  	[Account Value]

  
 [1] 

SPEC-RILA-FW (05-22)EX-4.m

 Exhibit 4.m 

Fidelity & Guaranty Life Insurance Company 

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 
  

			
	 Return of Premium Death Benefit Basis
	  	 [Premium] received reduced proportionately by the percentage reduction in Account Value, at the time of Withdrawal, for each Withdrawal,
including any applicable Surrender Charge thereon.
  
 [Rider Charges and Strategy
Charges are[ not] considered withdrawals for the purposes of this rider.]
  
 [The
Return of Premium Death Benefit Basis does not include Bonus, if applicable.]
  

	 Return of Premium Death Benefit Date
	  	[Date the Surrender Charge Schedule has elapsed][At any time prior to the Maturity Date][Maximum attained age of the (oldest) Annuitant of [X]][Maturity Age]

 RIDER OVERVIEW 
 WHEN
IS THIS RIDER EFFECTIVE? 
 The rider effective date is the Issue Date. 

WHAT BENEFIT DOES THIS RIDER PROVIDE? 
 Under Your base
Contract, a Death Benefit is provided upon Death. The Return of Premium Death Benefit Amount provided by this rider is the amount You will receive upon Death, if greater than Your base Death Benefit. The Return of Premium Death Benefit Amount is in
lieu of, and not in addition to, Your base Death Benefit. 
 RETURN OF PREMIUM DEATH BENEFIT AMOUNT 

WHAT IS THE RETURN OF PREMIUM DEATH BENEFIT AMOUNT? 
 The
Return of Premium Death Benefit Amount allows recovery of Your Premium paid, less withdrawals, upon Death. 
 HOW IS THE RETURN OF PREMIUM DEATH BENEFIT
AMOUNT CALCULATED? 
 For any Contract Year until the Return of Premium Death Benefit Date, shown in the Rider Specifications Table, the Return of
Premium Death Benefit Amount is equal to the greater of A and B, where: 
  

	 	•	 	 A is the base Contract Death Benefit; and 

 

	 	•	 	 B is the Return of Premium Death Benefit Basis. The Return of Premium Death Benefit Basis is shown in the
Rider Specifications Table. 

  
 [1] 

RILA-ROP-DB (05-22) 

 Fidelity & Guaranty Life Insurance Company 

RETURN OF PREMIUM DEATH BENEFIT RIDER (CONTINUED) 

 
  

 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? 

This rider will terminate at the earliest of the following events: 
  

	 	•	 	 when the Contract terminates; 

 

	 	•	 	 annuitization; 

  

	 	•	 	 the date of any transfer of ownership or assignment of the Contract or any benefits under the Contract or this
rider, unless: 

  

	 	•	 	 The new Owner is required under applicable law to hold the Contract and the proceeds of any benefits under the
Contract and this rider for the benefit of the original Owner, or if the original Owner is a Non-Natural person, the Annuitant; or 

 

	 	•	 	 The assignee is required under applicable law to hold the Contract and the proceeds of any benefits under the
Contract and this rider for the benefit of the original Owner, or if the original Owner is a Non-Natural person, the Annuitant; or 

 

	 	•	 	 The assignment is temporary and solely for the purpose of effectuating a replacement of the Contract that
constitutes an exchange under Section 1035 of the Code; 

  

	 	•	 	 upon calculation of the Return of Premium Death Benefit Amount subsequent to receipt of due proof of death of the
first Owner to die (or death of the Annuitant or Joint Annuitant, if a Non-Natural person is the Owner) except as provided under Spousal Continuation; or 

 

	 	•	 	 Return of Premium Death Benefit Date as shown in the Rider Specifications Table. 

Signed for the Company. 
 Fidelity & Guaranty
Life Insurance Company 
  

	
	 [

	 Chris
Blunt                                        
            ]

	 President

  
 [2] 

RILA-ROP-DB (05-22)

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