Better Health for All

Fidelity & Guaranty Life (FGL) experienced a data breach in May 2023 through its vendor, Pension Benefit Information, LLC (PBI), which resulted in unauthorized access to consumers' sensitive information, including names and Social Security numbers.

F&G filed a notice of this breach on July 20, 2023. Despite this vulnerability, F&G collects medical and health insurance information and maintains privacy policies for California residents, complying with the CCPA. The company also employs security measures such as strong encryption, firewalls, and multi-factor authentication. FGL's core business of providing annuity and life insurance products has no direct significant positive or negative health impact. The company offers its employees a medical plan, an Employee Assistance Program, and other health-related benefits, but there is no evidence of broader initiatives related to health equity, public health education, or support for the external healthcare workforce.

Fair Money & Economic Opportunity

Fidelity & Guaranty Life (FGL.US) is a provider of annuity and life insurance products.

As the company does not offer consumer credit products, lending services, or debt products, there are no APRs or fee structures to evaluate for pricing fairness, no revenue from high-cost financial products, and no customer debt burden ratios to assess. Therefore, these KPIs are scored as 0, indicating they are not applicable to the company's core business model.

Fair Pay & Worker Respect

FGL.US reported a CEO to median employee pay ratio of 81:1 in 2024.

Employee feedback on Glassdoor indicates an overall rating of 3.9 out of 5 stars , with 66% of employees recommending working at F&G. The company has been recognized with several Cultural Excellence Awards in 2024, 2023, and 2022 for categories including Compensation and Benefits, Leadership, Work-Life Flexibility, Professional Development, Appreciation, Employee Wellbeing, and Purpose and Values. FGL.US offers comprehensive benefits, including medical, dental, and vision coverage, a health savings account with employer contributions, paid time off, holidays, flexible Fridays, volunteer time off, and paid parental leave. There is no public record of substantiated labor-law or human-rights violations.

Fair Trade & Ethical Sourcing

FGL.US is a financial services company, and as such, several KPIs related to physical commodities, material sourcing, and manufacturing supply chains are not applicable. The company does not procure or trade physical commodities, does not have a supplier base requiring welfare or sourcing audits, has no exposure to upstream labor practices, does not have supply chain tiers to map for material provenance, and does not engage in material sourcing of at-risk inputs. As of 2015, Fidelity & Guaranty Life Insurance Company did not have a supplier diversity policy statement, a supplier diversity program, or internal targets or goals for supplier diversity.

It also did not conduct outreach specifically to diverse businesses or require its primary suppliers to subcontract with diverse businesses.

Honest & Fair Business

FGL had three distinct corrections of error impacting its financial statements within the past five years (2021-2025).

These include a 2020 Mortgage Trust AVR adjustment, a 2020 Reserve adjustment measured as of January 1, 2021 and presented for the year ended December 31, 2021, and a 2021 correction of error discovered in December 2022 related to understated amortization from 2017 through 2021. This averages to 0.6 restatements per year.

Kind to Animals

FGL.US is a provider of annuity and life insurance products, which are service-oriented financial offerings. The company's business model does not involve activities such as animal testing, the use of animal-derived ingredients, animal agriculture, or direct operations that impact wildlife habitats. While FNF (Fidelity National Financial), a related entity, offers pet insurance, this is a financial service and does not alter FGL.US's core business model regarding animal welfare.

Consequently, all KPIs related to animal welfare are not applicable to FGL.US's operations, and no evidence in the provided articles suggests otherwise.

Planet-Friendly Business

F&G completed a qualitative assessment of climate risks and opportunities in 2023, integrating identified risks into its enterprise risk register and ESG Program

. The company also conducted a one-time pilot scenario analysis exercise, covering multiple industry-recognized scenarios including a 2°C or lower pathway, and assessed transition risks for its investment portfolio and physical risks for three commercial properties . F&G is currently assessing the development of climate-related targets . Its headquarters building in Des Moines, Iowa, is LEED-certified .

Safe & Smart Tech

FGL.US experienced a data breach in June 2023, affecting approximately 873,000 policyholders and customers across 50 states.

This incident, stemming from a vulnerability in a third-party vendor's MOVEit file transfer system, resulted in an unauthorized party accessing and downloading sensitive information including names, Social Security numbers, contact information, and dates of birth. F&G was notified on June 6, 2023, confirmed data exfiltration on June 20, 2023, and filed a notice with the Maine Attorney General on July 20, 2023. , The company is offering 12 months of credit monitoring and identity restoration services to impacted individuals and is a defendant in two class action lawsuits related to the incident. , F&G states it did not experience a cybersecurity reporting incident during the year ended December 31, 2024. The company utilizes external firms for annual vulnerability and penetration testing, with findings tracked, prioritized, and remediated. FGL.US states its security measures comply with federal law and it adheres to the California Consumer Privacy Act (CCPA) for California residents, granting rights to know, delete, and correct personal information, and to update email preferences. It also complies with Connecticut law regarding Social Security number confidentiality and is subject to NAIC cybersecurity regulations and Bermuda's Cyber Risk Management Code of Conduct. ,

Zero Waste & Sustainable Products

The company's waste reduction initiatives resulted in a 63% decrease in total corporate waste at its Jacksonville headquarters by 2023

and a 65% decrease in non-recycled waste by 2024, both from a 2019 baseline. These reductions indicate the presence of quantitative waste reduction targets for some waste streams. Furthermore, no waste disposal violations, regulatory actions, fines, or compliance issues were mentioned in reports covering 2021 through 2024.