Best available rate
5.6%
1-yr guarantee · 8-yr surrender schedule · $100,000+ premium
Up to 5.6% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
49
Available jurisdictions
Rates as of August 11, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Future Flex 8
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this GBU Life product.
Live product data
Rates as of August 11, 2026, from AdvisorWorld and CANNEX.
2-year guaranteed rate
4.4% guaranteed for 2 years
An eight-year-surrender no-MVA fixed annuity from GBU with one- and two-year rate guarantees, annual access, and several event-based waivers.
Best fit
Buyers who can accept annual or biennial rate resets, plan to hold for the long surrender horizon, and value a broad waiver package.
Available guarantee terms
1, 2, and 9 years
AM Best
A- Excellent
Surrender period
8 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 one- and two-year rate-lock choices and avoids a market value adjustment.
- 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 guaranteed-rate period is much shorter than the surrender schedule, leaving repeated renewal-rate decisions before charges expire.
- The live rate options are premium-qualified and the long surrender commitment makes this a poor fit for money that may be needed early.
Not ideal for
Buyers who want the credited rate fixed for the full surrender period or who may need significant access before charges end.
Free Comparison Report
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See how Future Flex 8 compares for your age, state, premium, and income goals alongside other GBU Life MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | $10,000–$24,999Premium · comparable annual rate | $25,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| 1-Year | 8-Year schedule | Jul 29, 2026 | 5.05%Rate convention not stated | 5.4%Rate convention not stated | 5.6%Rate convention not stated |
| 2-Year | 8-Year schedule | Jul 29, 2026 | 3.85%Rate convention not stated | 4.2%Rate convention not stated | 4.4%Rate convention not stated |
| 9-Year | 8-Year schedule | Jul 29, 2026 | 3.45%Rate convention not stated | 3.8%Rate convention not stated | 4%Rate convention not stated |
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
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
8-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
6%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
After
0%
Medically related surrenders, Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how Future Flex 8 compares for your age, state, premium, and income goals alongside other GBU Life MYGA options.