Annuity rate data from AdvisorWorld and CANNEX carrier feeds
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10%
Free W/D
30
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.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Gcu 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 ten-year-surrender fixed indexed annuity from GCU, an A- AM Best–rated fraternal carrier, built for indexed accumulation on one- and two-year participation-rate strategies plus a fixed-account option, with no cap-style headline.
Best fit
Buyers in an eligible state who can accept a ten-year FIA surrender commitment and want to compare one- and two-year participation-rate crediting on volatility-controlled indexes.
AM Best
A- Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
30 jurisdictions (restricted footprint)
Caps, participation rates, and declared rates are shown separately.
Fixed Account
Fixed Account
Rate unavailable for this rider selection
Rate effective Apr 1, 2026
Fixed account
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Income rider
Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.
Annual rider fee: not published for this selection.
Income rider
Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.
Income rider
Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.
Income rider
Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.
Annual rider fee: not published for this selection.
Product analyst notes
Not ideal for
Buyers who want an annual point-to-point cap on the spot S&P 500 as the headline, who need a shorter surrender commitment, or who live outside the carrier's available states. Participation rates can change at renewal; compare the current terms and the guaranteed minimum before choosing a strategy.
Free Comparison Report
See how Aquila X compares for your age, state, premium, and income goals alongside other Gcu fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.
Rate unavailable for this rider selection · 1-yr
Fixed Account
Fixed account
Rate unavailable for this rider selection · 1-yr
Barclays US Tech 12% Index
Point-to-point
Rate unavailable for this rider selection · 1-yr
Barclays Zorya 5% Index
Point-to-point
Rate unavailable for this rider selection · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Rate unavailable for this rider selection · 1-yr
Barclays US Tech 12% Index
Point-to-point
Rate unavailable for this rider selection · 1-yr
Barclays Zorya 5% Index
Point-to-point
Rate unavailable for this rider selection · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Rate unavailable for this rider selection · 2-yr
Barclays US Tech 12% Index
Point-to-point
Rate unavailable for this rider selection · 2-yr
Barclays Zorya 5% Index
Point-to-point
Rate unavailable for this rider selection · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Rate unavailable for this rider selection · 2-yr
Barclays US Tech 12% Index
Point-to-point
Rate unavailable for this rider selection · 2-yr
Barclays Zorya 5% Index
Point-to-point
Rate unavailable for this rider selection · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Income rider
Confirm lifetime withdrawal percentages with the carrier.
GLWB
Income rider
Confirm lifetime withdrawal percentages with the carrier.
GLWB
Income rider
Confirm lifetime withdrawal percentages with the carrier.
GLWB
Income rider
Confirm lifetime withdrawal percentages with the carrier.
GLWB
The available data does not support a standalone accumulation projection for this selection. Published portfolio components and contract terms remain listed on this page. Confirm the complete allocation and current crediting terms with the carrier.
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 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.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Published payout options from the normalized contract facts.
Availability can vary by state and product terms.
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
6%
Yr 7
3%
Yr 8
2%
Yr 9
1%
Yr 10
0.5%
After
0%
Nursing home waiver, Terminal illness waiver
product guide
Direct link not published — request the document from the carrier.
product guide
Direct link not published — request the document from the carrier.
rate sheet
Direct link not published — request the document from the carrier.
product guide
Direct link not published — request the document from the carrier.
Income rider language
Income Elevate Plus is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
Liquidity terms
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.
Verification note
Carrier materials such as GCU_Aquila X_Brochure copy.pdf and Aquila-FIA-Application-KitâAll-Other-States.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Aquila X compares for your age, state, premium, and income goals alongside other Gcu fixed indexed annuity options.
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