48.4% of Dayton households own their home, and F&G against other carriers for term, mortgage-matched, and permanent coverage. Below is publicly-available background on F&G — founded 1959, headquartered in Des Moines, IA, A.M. Best rated A — plus a form to get a real quote that a licensed independent Ohio agent can compare against the rest of the market.
About F&G
Fidelity & Guaranty Life Insurance Company (F&G) is a subsidiary of Fidelity National Financial, with a focus on indexed universal life insurance and fixed indexed annuity products sold through independent marketing organizations.
What F&G is best known for
- Indexed Universal Life
- Annuities
F&G for Dayton, Ohio Residents
For Dayton households — 137,305 residents, 48.4% homeownership rate, median household income around $41,443 — the key question is whether F&G's focus on Indexed Universal Life and Annuities aligns with the coverage needs most common here. A $414,430–$497,316 coverage target (the 10–12× income rule of thumb) fits comfortably within F&G's available face values.
Ohio's CDC-reported life expectancy at birth is 75.3 years — the number licensed agents use as a planning baseline when recommending term lengths and permanent coverage horizons. F&G policies issued in Ohio are regulated by the Ohio Department of Insurance, and death benefits carry an additional layer of consumer protection through the state's life and health guaranty association, which may cover benefits up to $300,000 per policy in the event of carrier insolvency.
Independent licensed Ohio agents compare F&G against all other A-rated carriers side-by-side — pricing your specific age, health, and coverage goal against the full market. F&G may or may not be the lowest quote for your profile in Dayton, but you'll know after a single comparison. Use the quote form below to find out.
F&G for Dayton homeowners
With 48.4% homeownership in Dayton, mortgage protection and term life are two of the most-requested product categories here. Whether F&G is the right choice for either depends on your loan balance, age, and health profile. Independent licensed Ohio agents compare F&G against the 21 other A-rated carriers in the market and identify whichever prices best for your situation.
A 10-minute call with a licensed Ohio broker usually reveals whether F&G is your best fit or whether another carrier quotes more competitively for your situation. Request a quote below to start.