Best available rate
5.2%
5-yr guarantee · 5-yr surrender schedule · $100,000+ premium
Up to 5.2% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
49
Available jurisdictions
Rates as of August 6, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Asset Guard
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this GBU Life product.
Live product data
Rates as of August 6, 2026, from AdvisorWorld and CANNEX.
Five-year guaranteed rate
5.2% guaranteed for 5 years
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.
Best fit
Safety-first buyers who want a guaranteed fixed rate, value the flexibility to pick a surrender term anywhere from two to five years on one filing, and want a meaningful free-withdrawal allowance during the guarantee period.
Available guarantee terms
2, 3, 4, and 5 years
AM Best
A- Excellent
Available surrender terms
2, 3, 4, and 5 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. California, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Multi-term MYGA chassis — guaranteed rates available at two, three, four, and five years on a single contract, so a buyer can match the surrender term to their actual planning horizon rather than being forced into a single fixed-term filing.
- The annual free-withdrawal allowance sits at the upper end of the typical MYGA range, giving meaningful penalty-free liquidity during the rate-guarantee term — see the live contract facts for the current percentage.
- Surrender-charge waivers include the standard MYGA exits — nursing-home confinement, terminal illness, and an RMD waiver for qualified-money buyers — so the contract is more flexible than the bare-minimum MYGA template on involuntary-liquidity events.
- The five-year surrender ladder declines in even, uniform steps from year three onward, which is a cleaner taper than the front-loaded ladders some MYGA filings use — see the live surrender schedule for the annual figures.
What to confirm
- This is a pure-safety MYGA chassis: there is no index linkage, no income rider, no premium bonus, and no death-benefit roll-up. Buyers shopping for upside or for guaranteed lifetime income should evaluate a fixed indexed annuity or a separate income annuity instead — this contract is not built to deliver any of those.
- Filing is not currently available in all jurisdictions — the live state list shows 48 of 51 jurisdictions, so a buyer outside the registered footprint will need to look at a different MYGA filing.
- GBU Life is a fraternal benefit society, which means policyholders are technically members of the organization and contracts carry the carrier's mutual-benefit structure. Buyers used to a stock-carrier governance model should understand the difference before comparing.
- The carrier carries an A-minus financial-strength rating from a single agency (A.M. Best); no parallel S&P or Moody's rating is published on the live feed. Buyers who weight multi-agency strength reads heavily should factor that in.
Not ideal for
Buyers who want index-linked upside, need a guaranteed lifetime-income rider, expect a premium bonus, weight multi-agency financial-strength ratings heavily, or are shopping from a state outside the contract's registered footprint.
Free Comparison Report
Get an Asset Guard rate report
See how Asset Guard compares for your age, state, premium, and income goals alongside other GBU Life MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | $25,000–$99,999Premium | $100,000+Premium |
|---|---|---|---|
| 2-Year | 2-Year schedule | 4.95%Rate convention not stated | 4.95%Rate convention not stated |
| 3-Year | 3-Year schedule | 4.95%Rate convention not stated | 4.95%Rate convention not stated |
| 4-Year | 4-Year schedule | 4.95%Rate convention not stated | 4.95%Rate convention not stated |
| 5-Year | 5-Year schedule | 5.2%Rate convention not stated | 5.2%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
4Activities of daily living, Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
5-Year Version
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get an Asset Guard rate report
See how Asset Guard compares for your age, state, premium, and income goals alongside other GBU Life MYGA options.