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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Guaranty Growth Builder 5 with Enhanced Access

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Highlights

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, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Premium Bonus
6%
Term
5 Years
Surrender schedule
8%7%6%5%4%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
11/10/2021
Minimum contribution
$20,000
Maximum contribution
$1,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, and IRA-Roth
Brochure
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Find out if the Guaranty Growth Builder 5 with Enhanced Access is the right product for you.

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Premium Notes

Issue Ages
0-78
Joint cases are based on the age of the younger spouse

Initial Premium Limits
$20,000 – $1,000,000
Contact Guaranty Income Life Insurance Company for exceptions  

Note that GMCSV Interest may change on Jan 1 and July 1 for new issues.

Withdrawal Provisions

RMD Provision
In all contract years, the RMD amount is free of surrender charges even if in excess of the free withdrawal amount. (If less, only the difference remaining is available for free withdrawal.)

Free Partial Withdrawals
Starting in year two, 10% of the prior anniversary contract value is available free of Surrender Charges, MVA and bonus recapture. 
Ability to carry forward unused free partial withdrawal, not to exceed 30%.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4% Fixed
1-Year Citi Risk Balanced 5% Net PTP Participation Rate
Point to Point
Annual
120% Participation
1-Year Citi Risk Balanced 5% Net PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
110% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
160% 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
10% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
13% Cap

Surrender schedule

Year 1 2 3 4 5
Penalty 8% 7% 6% 5% 4%

Riders

Name Inbuilt Fee
Enhanced Access Rider Yes 0.90% annually
Enhanced Access ADL Rider No 0.90% annually

Waivers

Terminal Illness

If a contract owner is diagnosed with a Terminal Illness or becomes Confined in a medical facility after their contract was issued, he/she may make a Full or Partial Surrender without incurring a Surrender Charge or Market Value Adjustment. While there is no waiting period to utilize this benefit after contract issue, the claim must be made within 180 days of the qualifying event. Terminal Illness: a health condition or injury experienced, which to a reasonable degree of medical certainty, confirmed by a Physician, will result in that person’s death within one year.

ADL

Additional benefits if two of six ADLs cannot be performed, whether care is received in a facility or at home. 100% of surrender charges are waived. The six Activities of Daily Living (ADLs) include: 1. Bathing - Washing oneself by sponge bath in a tu bor shower, including getting in or out. 2. Continence - Bowel and bladder control or, when unable to maintain control, the ability to perform associated personal hygiene. 3. Dressing - Includes putting on and taking off clothing and any necessary braces, fasteners or artificial limbs. 4. Eating - Being able to feed oneself or manage a feeding tube or intravenous feeding. 5. Toileting - Getting to and from the toilet, getting on and off it and performing associated personal hygiene. 6. Transferring - Moving into or out of a bed, chair or wheelchair.

Confinement

If a contract owner is diagnosed with a Terminal Illness or becomes Confined in a medical facility after their contract was issued, he/she may make a Full or Partial Surrender without incurring a Surrender Charge or Market Value Adjustment. While there is no waiting period to utilize this benefit after contract issue, the claim must be made within 180 days of the qualifying event. Confinement: receiving continuous care for at least 30 days from a hospital or long-term care facility.

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