Life Insurance
Protection for your family
when it’s needed most
Life insurance is about more than planning for the unexpected. GCU Life Insurance helps protect the people you love from added financial stress, giving them the support they need during a difficult time and the confidence to move forward.
GCU LIFE INSURANCE CAN HELP:
· Provide financial support for your loved ones
· Pay off outstanding debt
· Help eliminate a home mortgage
· Cover funeral and final expenses
GCU Whole Life
LIFETIME COVERAGE WITH LASTING VALUE
Whole life insurance provides permanent coverage designed to protect your family for your entire life, provided the premiums are paid. Beyond the death benefit, a whole life policy builds guaranteed cash value over time, creating a financial resource you can access during your lifetime.
As your policy grows, cash value can be used in a variety of ways, including supplementing retirement income, helping cover unexpected expenses, or supporting major life events. Because whole life insurance offers predictable premiums and guaranteed benefits, it can serve as a stable foundation within a long-term financial plan.
GCU Whole Life Insurance combines lifelong protection, disciplined growth and peace of mind providing confidence that your coverage will be there when your family needs it and, flexibility you can use along the way. With a range of policy options available, GCU offers solutions designed to fit different needs, goals, and budgets.
GCU Term Life
COVERAGE FOR A SET PERIOD OF TIME
Term life insurance provides protection for a specified period of time, offering an affordable way to secure a meaningful amount of coverage during the years when financial responsibilities are often the greatest. It is designed to help protect your family while children are at home, mortgages are being paid, and income replacement is most critical.
Because term life insurance focuses on pure protection, premiums are typically lower than permanent or Whole Life coverage options, making it an efficient way to address temporary financial needs. While term life does not accumulate cash value, it plays an important role in a well-balanced financial plan by providing confidence that your loved ones are protected if the unexpected occurs.
GCU Term Life Insurance offers flexible coverage options to help you match protection to your needs and budget, allowing you to focus on living today while planning for the future.
LET A PRO HELP YOU FIND THE BEST SOLUTION
A licensed GCU agent’s knowledge, experience, and resources can help you make informed financial choices for your family. We’ve made it easy to find one near you.
Count on the strength of GCU
As a member-owned not-for-profit Life Insurance and Annuity Provider, GCU makes disciplined financial decisions that support lasting security for our members, remaining free from Wall Street pressures and driven by what matters most to GCU families and communities.
GCU BY THE NUMBERS
- 133+ Years in Business
- 49,000+ Members across America
- 109.7% Solvency Ratio by Total Adjusted Capital
- A- (Excellent) Financial Strength Rating*
GCU BY THE NUMBERS
- 133+ Years in Business
- 49,000+ Members across America
- 109.7% Solvency Ratio by Total Adjusted Capital
- A- (Excellent) Financial Strength Rating*
* AM Best is a third-party independent credit rating agency that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its obligations to policyholders. A- is the fourth highest rating out of 13 categories and was affirmed for GCU in November 2025.
Kroll Bond Rating Agency (KBRA) is a global full-service rating agency established in 2010. KBRA’s IFSR rating is a measure of the overall financial condition of an insurance operating company. The A- ratings is the third highest out of 11 categories on KBRA’s IFSR scale and was affirmed for GCU in January 2026.
More ways to plan with confidence…
GCU Annuities
GCU annuities are designed to help you plan with confidence, whether you are saving for the future, setting money aside for a specific period of time, or preparing for retirement. They offer a disciplined approach to growing and protecting your money while keeping your options open.
With features that help protect your savings from market volatility and provide opportunities for interest growth, annuities can play an important role in a well-balanced financial plan.
GCU annuities give you flexibility today and confidence for tomorrow. Backed by long term financial strength and a member-owned approach, our annuity solutions are built to support your plans at every stage of life.
