Yes! You can use AI to fill out Fidelity Growth and Guaranteed Income Partial Withdrawal/Full Surrender Form

Users often misunderstand or overlook the Signature Guarantee requirement, mistaking it for a notary public stamp. This form requires a Signature Guarantee for withdrawals over $100,000, payments to third parties, or payments to a new address. Submitting without the correct stamp from an eligible financial institution will lead to immediate rejection and significant processing delays. To avoid this, carefully review the criteria in Section 6 and visit a bank or broker to obtain the guarantee before mailing the form.

On jointly owned contracts, it is common for only one owner to sign the form. The instructions in Section 6 clearly state that signatures of all owners are required in every case. An application with a missing signature is considered incomplete and will be returned, delaying the withdrawal or surrender process. Always ensure all individuals listed as owners on the contract have signed and dated the form in the designated spaces.

In Section 2, people often misunderstand the difference between a 'Gross' and 'Net' withdrawal. Requesting a 'Gross' amount means taxes and fees will be deducted from that amount, resulting in a smaller check. Requesting a 'Net' amount means the firm will withdraw enough to cover the requested amount plus any fees, so the check matches the request. This confusion can lead to receiving an unexpected payment amount. Carefully read the descriptions to ensure the withdrawal meets your financial needs.

A frequent error in Section 4 is checking the box 'I WANT Federal Income Tax withheld' but failing to write in a specific percentage. This ambiguity forces the processing agent to either use the 10% default or return the form for clarification, causing delays. To prevent this, if you elect to have taxes withheld, always specify a whole number percentage in the space provided. If you do not want taxes withheld, be sure to check the 'I DO NOT want' box.

Applicants sometimes fill out both Section 2 for a partial withdrawal and Section 3 for a full surrender. The form's instructions direct the user to fill out one or the other, not both. Submitting a form with conflicting instructions makes the user's intent unclear and will halt the processing of the request until clarification is obtained. Decide on one course of action and complete only the relevant section to ensure your request is processed correctly.

The contract number is the primary identifier for the account, and data entry errors like transposing digits or omitting a number are common. An incorrect contract number in Section 1 will prevent Fidelity from locating the account, causing the request to be rejected. Double-check the contract number against your account statement to ensure it is completely accurate before submitting. AI-powered tools like Instafill.ai can help prevent this by saving and accurately populating such critical information.

The form lists two different P.O. Box addresses at the bottom: one for New York residents and one for all other states. Sending the form to the incorrect address can add significant delays as it will need to be rerouted internally. To avoid this, New York residents must use the specific 'Empire Fidelity' P.O. Box, while all other residents should use the standard 'Fidelity Investments' P.O. Box.

Despite advances in technology, many people still attempt to fax forms out of habit. The instructions at the top of this form explicitly state 'Faxes are not accepted.' Any request submitted via fax will be disregarded, and the user will not receive their funds or any notification of the failed submission. The only valid submission method is mailing the physical form to the correct address. Since this is a non-fillable PDF, tools like Instafill.ai can convert it into a fillable version for clean, legible printing before mailing.

In Section 5, users may request a payment method that triggers an additional requirement they fail to meet. For example, requesting a check be mailed to an address other than the one on record requires a Signature Guarantee. Failing to provide that guarantee will cause the request to be rejected. To avoid this, either use a payment method that doesn't require a guarantee (like a check to the address of record) or ensure you complete all associated requirements for your chosen method.

When requesting a partial withdrawal from specific funds in Section 2, users sometimes list individual fund amounts that do not add up to the 'Total Amount' they entered. This discrepancy creates ambiguity and requires the service center to contact the owner for clarification, delaying the transaction. If you choose to specify withdrawals from particular funds, always double-check your math to ensure the sum of the parts equals the requested total.