Fixed index annuity review and rates

Guaranty Growth Builder 14 with Enhanced Access

Guaranty Growth Builder is a Single Premium Fixed Indexed Annuity (FIA) that provides an array of interest crediting strategies to match your client’s comfort and savings approach—whether they seek a fixed return, look for more growth potential or a combination.
Available in states: AL, AZ, AR, CO, DE, GA, IL, IA, KY, LA, MI, NE, NM, NC, ND, SD, TN, VT, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
5% Fixed
1-Year Citi Risk Balanced 5% Net PTP Participation Rate
Point to Point
Annual
150% Participation
1-Year Citi Risk Balanced 5% Net PTP Participation Rate
Point to Point
Annual
210% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
125% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
11% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
14% Cap

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14
Penalty 14% 14% 12% 12% 10% 10% 9% 8% 7% 6% 5% 4% 3% 2%

Riders

Name Inbuilt Fee
Enhanced Access Rider No 0.50% annually
Guaranty Income Life Insurance Company
Founded: 1926
A.M. Best: A-
S&P: A-
Carrier details
Free withdrawal
1st year: 0%
2nd+ year: 10%
Premium bonus
6%
Surrender schedule
14 years
Return of premium
Market value adjustment
Minimum contribution
$20,000
Types of funds
Non-Qualified, IRA, and IRA-Roth