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Fixed Indexed Annuity

Asset Guard Fixed Index Annuity — Gbu Life

Gbu Life

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10%

Free W/D

49

Available jurisdictions

Product data status: October 2, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Asset Guard Fixed Index Annuity would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$207,992
Est. value at age 80 (Asset Guard Fixed Index Annuity)
10%/yr
Free withdrawal allowance
Barclays Agility Shield Index — 180% Participation (With Annual Booster Fee · Annual · 4-yr term)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Asset Guard Fixed Index Annuity's published participation rate (180% on Barclays Agility Shield Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

Free Comparison Report

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See how Asset Guard Fixed Index Annuity compares for your age, state, premium, and income goals alongside other Gbu Life fixed indexed annuity options.

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rate data

Run numbers for Asset Guard Fixed Index Annuity

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Gbu Life product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

A current headline metric is not available for this product. Confirm current terms with the carrier.

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.

AdvisorWorld + CANNEX data

Best fit

Buyers who want a noticeably shorter surrender commitment than the typical FIA, are comfortable that the indexed strategies sit on proprietary volatility-controlled benchmarks rather than the S&P 500, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

4 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

4% declared rate

Rate effective Jul 11, 2024

Fixed account

Requested state: TX

4-year term · 4-year surrender · Does not vary by premium

+ 30 additional crediting options (Barclays Agility, Barclays Fortune, Barclays US...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Short four-year surrender term — well below the seven-to-ten year norm in the FIA market, so a buyer's principal locks up for less than half the typical commitment.
  • Crediting menu offers both single-year (annual point-to-point) and multi-year (two-year point-to-point) participation-rate designs on each available index, so a buyer can choose between annual reset volatility and a longer crediting window without leaving the contract.
  • Surrender-charge waivers cover the standard protective triggers — terminal illness, nursing-home confinement — alongside additional activities-of-daily-living and home-health-care language, so the contract is more flexible than the bare minimum on involuntary-liquidity events.
  • The annual free-withdrawal allowance sits at the upper end of the typical FIA range, giving meaningful penalty-free liquidity inside the short four-year surrender window — see the live contract facts for the current percentage.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. The live feed shows an empty income-rider list, and the contract has no Protected Income Value chassis. Do not compare its payout side-by-side with a rider-led or PIV income FIA.
  • Every indexed strategy on the contract sits on a Barclays-proprietary volatility-controlled index (Agility Shield, Fortune 500 12% Index, US Tech 12% Index). None of these is the recognizable uncapped S&P 500 benchmark most FIA shoppers compare against, so a participation rate quoted here is not directly comparable to a cap on the S&P 500 from another carrier. Evaluate the indexes on their own merits.
  • The contract-level guaranteed minimums for both the fixed-bucket interest rate and the indexed-strategy participation rate are set at the floors carriers typically file to back-stop a worst-case renewal scenario, not the rates the buyer actually expects to earn. Carrier renewal rates can reset down toward those floors over the surrender term, and the buyer carries that renewal risk for the full four years — read the contract's guaranteed-minimum filings before relying on current declared rates.
  • There is no premium bonus and no death-benefit roll-up; the death benefit is the standard contract value.

Not ideal for

Buyers who need source-backed lifetime-income specifics directly from this page should not rely on this product page alone; use a carrier illustration or a CANNEX response that publishes rider mechanics.

Free Comparison Report

Get an Asset Guard Fixed Index Annuity rate report

See how Asset Guard Fixed Index Annuity compares for your age, state, premium, and income goals alongside other Gbu Life fixed indexed annuity options.

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All crediting strategies

View rate listings (38 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 270% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 270% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 190% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 190% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 180% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 180% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 180% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 180% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 170% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 170% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 135% · 4-yr

Barclays Agility Shield Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 135% · 4-yr

Barclays Agility Shield Index

Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 125% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 125% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 120% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 120% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 120% · 4-yr

Barclays Agility Shield Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 120% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 115% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 115% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 110% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point · 3% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 110% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 95% · 4-yr

Barclays Fortune 500 12% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 95% · 4-yr

Barclays Fortune 500 12% Index

Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 90% · 4-yr

Barclays Agility Shield Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 90% · 4-yr

Barclays Agility Shield Index

Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 85% · 4-yr

Barclays US Tech 12% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 85% · 4-yr

Barclays US Tech 12% Index

Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 80% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 80% · 4-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 75% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 75% · 4-yr

Barclays US Tech 12% Index

With Annual Booster Fee · Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 60% · 4-yr

Barclays Fortune 500 12% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 60% · 4-yr

Barclays Fortune 500 12% Index

Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Par: 55% · 4-yr

Barclays US Tech 12% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Par: 55% · 4-yr

Barclays US Tech 12% Index

Point-to-point

Requested state: TX4-yr surrenderDoes not vary by premium

Fixed: 4% · 4-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Jul 11, 20244-yr surrenderDoes not vary by premium

Fixed: 4% · 4-yr

Fixed Account

Fixed account

Requested state: TX4-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Asset Guard Fixed Index Annuity

● Can I lose money in Asset Guard Fixed Index Annuity?

A negative index return by itself does not reduce the contract's account value: Asset Guard Fixed Index Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from published strategy fees, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 4 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Asset Guard Fixed Index Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Asset Guard Fixed Index Annuity strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Activities of daily living, Home health care rider, Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Fixed account guarantee

0.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

20.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

8%

Yr 3

7%

Yr 4

7%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

brochure

GBU-Asset-Guard-FIA-Brochure-2.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

brochure

GBU-Asset-Guard-FIA-Brochure.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Asset Guard Fixed Index Annuity currently shows 38 indexed or fixed crediting options, including Fixed Account, with 36 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing strategy variants are different mechanics and should not be ranked as one simple rate list.

  • Fixed Account: 4% fixed account rate, 0% annual strategy fee
  • Fixed Account: 4% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 4 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as GBU-Asset-Guard-FIA-Brochure-2.pdf and GBU-Asset-Guard-FIA-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get an Asset Guard Fixed Index Annuity rate report

See how Asset Guard Fixed Index Annuity compares for your age, state, premium, and income goals alongside other Gbu Life fixed indexed annuity options.

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