X0101 EFFECT 33 LIVE 2023-12-07 16:00:00

S-3

0001934850 F&G Annuities & Life, Inc. 333-275867 0001965864 CF Bermuda Holdings Ltd 333-275867-04 0001965859 FGL US Holdings Inc. 333-275867-03 0001965862 Fidelity & Guaranty Life Business Services, Inc. 333-275867-02 0001965861 Fidelity & Guaranty Life Holdings, Inc. 333-275867-01