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During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. The Market Value Adjustment (MVA) is a positive or negative adjustment based on the current interest rate environment at the time of withdrawal. An MVA and a surrender charge will apply if you access more than the 10% free withdrawal before the end of the initial interest rate guarantee period. The MVA does not apply to withdrawals after the surrender charge period, 10% free withdrawals, the death benefit or when the contract is annuitized.

Upon the death of the owner and annuitant, the beneficiary to the contract will receive the contract value free of any withdrawal charges or a Market Value Adjustment (MVA).

After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the owner is confined to a nursing home/home health care, provides evidence that they are not able to perform two Activities of Daily Living (ADLs) or suffers from severe mental incapacity and/or is diagnosed with a critical illness (cancer, end-state renal failure, heart attack or stroke) or has less than 12 months to live.

You can make a withdrawal of up to 10% of the account value each year, including the first year, without penalty. If no withdrawal is taken in a contract year, you may take out a max of 20% the following year.

Interest Rate Guarantee Periods: 2, 3, 4 or 5 years.

GBU Life’s MYGA policy ensures the safety of principal while providing a guaranteed return over a fixed period. The policy includes features such as free annual withdrawals, market value adjustments, and renewal options. It also offers protection through its nursing home, ADL, and critical illness riders. The annuity is backed by a financially strong, member-driven organization with a history of consistent surplus and asset growth.

At the end of each guarantee period, you have 45 days to renew your annuity for another period of 2, 3, 4 or 5 years ending at your 95th birthday… If you do not make a choice within the 45-day window, your policy automatically renews using the same guarantee period.

 Series Multi-Year Guaranteed Annuities (MYGA) by GBU Life provide predictable growth and guaranteed interest rates over 2, 3, 4, or 5 years. These annuities are designed for individuals seeking principal protection, tax-deferred growth, and the option to make penalty-free withdrawals. GBU Life’s MYGA also offers added flexibility such as the ability to add funds during a specified window and various benefit rider options for health-related hardships.

GBU Life – Asset Guard Select MYGA (2-, 3-, 4-, 5-Year Terms)