Best Guaranteed Annuity Rates

Flex 5 Advantage

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The GCU Flex 5 Advantage Deferred Annuity is a five-year investment product; however, surrender charge free withdrawals are available in each contract year. It has a guaranteed rate for the first year, and it's an excellent choice for anyone looking for a consistent interest rate over a shorter term. The Flex 5 Advantage is available for ages 0-88 and may also be used for qualified (tax favored status) plans.

Premium Notes
Minimum Initial Deposit: $300
Maximum Initial Deposit: $500,000
Additional Deposits are permitted
Clients may elect to make systematic deposits into their annuity on a monthly, quarterly, semi-annual, or annual basis.

Withdrawal provisions: The GCU currently allows for surrender charge free withdrawals in each contract year. Year One = 10% of the initial deposit. Years Two thru Five = 20% in each year based on the account value at the end of the previous contract year. Withdrawals exceeding the permitted amounts will be subject to a surrender charge. Surrender charges in the first year are 9%, and are reduced by 2% in each subsequent year of the five-year contract. (9% — 7% — 5% — 3% — 1%). 

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
5 3.5% 1.7% 3.5%

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