Fixed Deferred Annuities

A Safe and Secure Way to Grow Wealth

If you’re looking for a predictable way to earn interest at a competitive fixed rate—or want a short-term approach to earning extra income—a GCU Fixed Deferred Annuity can be a great option.

Download the GCU Fixed Deferred Annuities brochure

Flex 8

Flex 8 offers the highest current interest rate of any GCU annuity, making it a compelling choice for clients seeking maximum credited interest over a longer time horizon. This eight-year deferred annuity provides a guaranteed interest rate in the first contract year, followed by the opportunity to benefit from rising interest rate environments in subsequent years. The Flex 8 also allows clients to add funds throughout the surrender period with the advantage of not restarting surrender charges. The Flex 8 allows penalty-free withdrawals of up to 10% of the anniversary date value in each contract year, offering access to funds while maintaining long-term growth potential.

Compared to GCU’s shorter-duration flexible products, Flex 8 is designed for clients willing to commit for a longer term in exchange for higher earning potential, rather than enhanced liquidity. Flex 8 is offered from Issue Ages 0–85.

Flex 5 Advantage

The Flex 5 Advantage is a five-year deferred annuity that allows clients to add funds throughout the surrender charge period, with the important advantage that additional deposits do not restart surrender charges. The Flex 5 also provides annual liquidity, offering surrender charge-free withdrawals each contract year. Clients may withdraw up to 10% of the initial deposit in the first contract year, and up to 20% of the anniversary date value in contract years two through five.

Available for Issue Ages 0–88, and with a guaranteed interest rate in the first year, this annuity is well suited for clients seeking consistent, predictable growth over a shorter time horizon, while maintaining access to their money.

One Plus Four Choice

GCU One Plus Four Choice Deferred Annuity is a five-year deferred annuity designed with flexibility in mind. After the first contract anniversary, clients have a 30-day surrender window during which the contract may be surrendered with no surrender charges. The product is available for issue at any age and may be used for qualified, tax-favored retirement plans, offering a simple, conservative solution for clients seeking predictable growth with added liquidity options.

Triple Advantage PLUS

This 36-month Multi Year Guaranteed Annuity (MYGA) offers a competitive fixed interest rate with the added advantage of continued value even after the surrender charge period ends. The initial interest rate is guaranteed for the full three-year surrender charge period, providing predictable, tax-deferred growth. The Triple Advantage Plus also includes built-in liquidity, allowing withdrawals without penalty in the second and third contract years as well as the ability to add more funds during the surrender charge period……flexibility not commonly found in traditional MYGA’s.

All GCU fixed deferred annuities may be used for qualified (tax favored status) plans.

*Annuities are not insured by the FDIC and can carry an IRS penalty for distributions prior to age 59 1/2.

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GCU Fixed Indexed Annuities

GREATER EARNING POTENTIAL FOR RETIREMENT

The Aquila FIA offers multiple index strategies designed to enhance potential market returns while protecting against market downturns. The indices we offer also include an option to allocate available funds that guarantees you will earn a minimum rate of interest even if index returns are less than the minimum guaranty rate. Participate in the upside and protect your downside!