A.M. Best A- rated · 3 products

GBU Life Annuities — A- Rated

GBU Life is an A.M. Best A--rated annuity carrier. The current lineup includes 3 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A-

A.M. Best

Annuity products

3 products across FIA and MYGA families

Reviewed

June 9, 2026

Product lineup reviewed against current rates.

Lineup Snapshot

Available annuity families and product-type context.

Product pages: 2 FIA product pages, 1 MYGA product page
Product families: Asset Guard, Asset Guard Fixed Index Annuity, Future Flex Fixed Index Annuity
Product types: FIA, MYGA

Financial Strength

A.M. Best A-

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

Product Highlights

Current Annuity Highlights

Loading current rates, rider rows, index choices, and contract terms.

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Carrier Profile

About GBU Life

GBU Financial Life (GBU Life) is a member-owned, not-for-profit life insurance and annuity provider based in Pittsburgh, Pennsylvania, with over 133 years of experience in financial protection. The company offers a range of products tailored to individual and retirement needs, including the Asset Guard Series MYGAs (Multi-Year Guaranteed Annuities), which deliver guaranteed interest rates and principal protection over 2-, 3-, 4-, and 5-year terms. In addition to MYGAs, GBU Life provides Whole Life, Term Life, and Final Expense Insurance policies, all backed by strong surplus reserves and a commitment to community-focused values. As a fraternal benefit society, GBU Life reinvests its earnings to deliver greater value to members rather than shareholders.

Financial Strength In Plain English

As of July 11, 2024, AM Best reaffirmed GBU Life’s A- (Excellent) rating. This rating has been maintained by GBU since 2017. The A- (Excellent) rating is the 3rd highest out of 17 total ratings that AM Best issues. This rating reflects AM Best’s opinion of a company’s ability to meet its ongoing insurance obligations. An A- rating indicates strong financial stability, solid risk management, and the ability to withstand economic pressures. AM Best’s rating also factors in the insurer’s operating performance and business profile, suggesting that GBU Life is financially secure and well-managed in delivering on its commitments to policyholders.

ARHQ Notes

From Our Coverage

First-party review context and product-page notes, kept separate from current rate tables.

Product Highlights

Short notes from product pages.

FIAAccumulationA001W1

Asset Guard Fixed Index Annuity

A short four-year-surrender fixed indexed annuity from GBU Life, an A-minus-rated fraternal carrier, built for accumulation across a small menu of Barclays-proprietary volatility-controlled indexes with annual and two-year point-to-point participation crediting, plus a fixed account — no built-in income rider and no premium bonus.

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MYGASafetyA001BW

Asset Guard

A multi-term multi-year guaranteed annuity from GBU Life — an A-minus-rated fraternal carrier — offering guaranteed two- through five-year fixed rates on a single contract, with a generous annual free-withdrawal allowance and the standard MYGA safety chassis.

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FIAAccumulationA001W7

Future Flex Fixed Index Annuity

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Features

Index options, riders, and term choices pulled into one quick scan.