Best available rate
5.05%
1-yr guarantee · 5-yr surrender schedule · $100,000+ premium
Highest current rate across the available 1-year, 2-year, and 6-year guarantee terms.
View all rates and terms ↓10%
Free W/D
49
Available jurisdictions
Rates as of October 2, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Future Flex 5
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this GBU Life product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
2-year guaranteed rate
4.8% guaranteed for 2 years
A five-year-surrender fixed annuity from GBU with one- and two-year rate locks, no MVA, annual access, and a broad waiver set.
Best fit
Buyers who want a shorter guaranteed-rate period inside a five-year no-MVA contract and value multiple surrender waivers.
Available guarantee terms
1, 2, and 6 years
AM Best
A- Excellent
Surrender period
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
- The product offers a choice between one- and two-year guaranteed-rate periods within its five-year surrender structure.
- Annual free withdrawals are supplemented by a broad waiver set covering health, care, required-distribution, and marital-status events shown in the live feed.
What to confirm
- The longest current rate guarantee is shorter than the surrender schedule, so renewal-rate risk remains before surrender charges end.
- Current quotes are premium-qualified and the contract excludes jurisdictions shown as unavailable; confirm the applicable band and state before comparing rates.
Not ideal for
Buyers seeking a rate locked through the entire five-year surrender period or those outside the product's filing footprint.
Free Comparison Report
Get a Future Flex 5 rate report
See how Future Flex 5 compares for your age, state, premium, and income goals alongside other GBU Life MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 1-Year | 5-Year schedule | Jul 29, 2026 | 5.05%Compound annual rate |
| 2-Year | 5-Year schedule | Jul 29, 2026 | 4.8%Compound annual rate |
| 6-Year | 5-Year schedule | Jul 29, 2026 | 4.4%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
5Activities of daily living, Medically related surrenders, Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Certain period, Joint life, Single lifePublished payout options from the normalized contract facts.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
5-Year Version
Yr 1
6%
Yr 2
5%
Yr 3
5%
Yr 4
4%
Yr 5
3%
After
0%
Medically related surrenders, Nursing home waiver, RMD waiver, Terminal illness waiver
Carrier Ratings
Free Comparison Report
Get a Future Flex 5 rate report
See how Future Flex 5 compares for your age, state, premium, and income goals alongside other GBU Life MYGA options.