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Asset Guard FIA

The Asset Guard FIA is a superb choice for any retiree! It offers reliable income protection, so you never have to worry about outliving your savings. It's steady and safe, just like a retiree's life should be.

Better yet, this annuity offers a wealth of options for growth. With indexing opportunities and bonuses, your hard-earned money can continue to grow while you enjoy your golden years. Secure and promising, the Asset Guard FIA is truly a gem for retirement!

Asset Guard FIA

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

4 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$5,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, Stretch IRA, Inherited IRA, NQ Stretch, and TSP

Launch Date

02/12/2024

The Asset Guard Fixed Index Annuity is a single premium deferred annuity that offers the security of guaranteed participation rates over a 4-year period. Fixed index annuities are a type of investment that offers the opportunity to earn interest based on the performance of a stock market index, while providing protection against market downturns.

Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
4-Year Fixed Account	Fixed	4% Fixed
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Annual	120% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Biennial	170% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Biennial	115% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term	Point to Point Biennial	85% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Annual	110% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Annual	75% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term	Point to Point Annual	55% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Biennial	190% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Biennial	125% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term	Point to Point Biennial	95% Participation
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Annual	80% Participation
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term	Point to Point Annual	60% Participation
2-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Biennial	270% Participation
2-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Biennial	180% Participation
2-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term	Point to Point Biennial	135% Participation
1-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Annual	180% Participation
1-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster	Point to Point Annual	120% Participation
1-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term	Point to Point Annual	90% Participation

Surrender schedule

Year	1	2	3	4
Penalty	8%	8%	7%	7%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

No Riders for Asset Guard FIA annuity.

Waivers

Death

Surrender charges are waived at the death of the owner.

Nursing Home

Nursing Home Confinement and Home Health Care are included at no additional fee.

Terminal Illness

Critical Illness, Cognitive Impairment, and Terminal Condition are included at no additional fee.

Surrender Window

There are no surrender charges during the first 45 days of each subsequent surrender charge period. During those 45 days, the owner may choose to: 1. Continue their contract and apply their accumulation value to a new 4-year surrender charge period. Additional premium may be deposited during this time. 2. Make a partial surrender without paying surrender charges and apply the remainder to a new surrender charge period. 3. Surrender their contract without paying surrender charges. Note: If the owner doesn’t provide written notice of their choice during the 45-day window, option 1 automatically becomes effective.

Premium Notes

Issue ages 0–95
$25,000–$5M initial premium
Accepts qualified or non-qualified funds
Option to add up to $5M of additional premium after four years (during 45-day window)
Ability to reallocate funds among the indices annually or biennially
Participation rates and interest rates for fixed interest rate option guaranteed for 4 years

Withdrawal Provisions

Free withdrawalIn all contract years, including the first year, the free withdrawal amount is 10% of the account value. If no withdrawal is taken in a given contract year, then the free withdrawal amount in the next contract year is 20% of the account value. Withdrawals will be first taken from the fixed interest rate account and then proportionally allocated across the investment options (unless the owner specifically requests the funds to be taken from specific index strategies). For qualified money, the required minimum distributions are free withdrawals if more than what is shown above. Living Benefit Riders (included at no additional fee): Critical Illness, Cognitive Impairment, Terminal Condition, Nursing Home Confinement and Home Health Care.Surrender Charges Surrender charges are waived at the death of the owner Repeating surrender charge pattern with 45-day liquidity windows every 4th year During the 45-day liquidity windows, the entire account value is available for free withdrawal No market value adjustment

Company Founded: 1892

Excellent Rated Company

GBU Financial Life

Company Ratings

4.5