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Fixed Indexed Annuity

Aquila X

GCU

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10%

Free W/D

30

Jurisdictions

Product data status: June 27, 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.

Model this product

See what Aquila X would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 27, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$827,000
Est. value at age 80 (Aquila X)
0%
Floor — index losses never reduce value
Aquila X
✦
How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A par strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Aquila X's published participation rate (190% on Barclays Zorya 5% Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 27, 2026.

Free Comparison Report

Get a Aquila X rate 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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Live rate data

Run live numbers for Aquila X

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this GCU product.

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Headline metric not available in the live product feed for this product on this request. Confirm current terms with the carrier.

A five-year-surrender fixed indexed annuity from GCU, an A- AM Best–rated fraternal carrier, built for indexed accumulation on a participation-rate menu of proprietary volatility-controlled benchmarks plus a fixed-account option, with no cap-style headline and no income rider.

AdvisorWorld + CANNEX data

Best fit

Buyers in one of GCU's roughly 30 filing states who want a shorter (five-year) FIA surrender commitment, are comfortable with participation-rate crediting on volatility-controlled indexes, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

30 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

4.25% declared rate

1-year term · 10-year surrender · Premium band not shown

+ 23 additional crediting options (Barclays US, Barclays Zorya, S&P 500...)
View rate listings (24 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 110% · 1-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 70% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 60% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 60% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 40% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 90% · 1-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 55% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 45% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 30% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 190% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 150% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 105% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 85% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 85% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 55% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 130% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 115% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 70% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 65% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 60% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 40% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Lifetime Income Riders

Income rider

Income Pro

Annual rider fee0.5% annual rider fee

Income rider

Income Elevate

Income rider

Income Elevate Plus

Income rider

Income Elite

Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender term sits at the short end of the FIA market, so a buyer who does not want a full ten-year commitment can still access an indexed-growth chassis here.
  • Crediting menu offers a one-year and a two-year option on the same underlying index, so a buyer can choose between annual reset flexibility and a longer crediting term that typically pays a higher participation rate.
  • Ten-percent annual free-withdrawal allowance is offered alongside the surrender ladder, and the contract includes nursing-home and terminal-illness surrender-charge waivers for medical events.
  • Fixed-account option is available alongside the indexed strategies for a buyer who wants to dial down indexed exposure in a given contract year without leaving the product.

What to confirm

  • This contract is not a guaranteed-lifetime-income product. There is no optional GLWB rider on this filing and no Protected Income Value chassis — the contract is built for indexed accumulation only, and its payout side should not be compared to a rider-led income FIA.
  • The indexed crediting menu is built entirely on participation rates against proprietary volatility-controlled benchmarks (Barclays US Tech 12%, Barclays Zorya 5%, and the S&P 500 Dynamic Intraday TCA ER index — not the spot S&P 500). Participation rates on these strategies are not directly comparable to an uncontrolled S&P 500 cap or participation rate; evaluate each strategy on its own terms.
  • There is no annual point-to-point cap on a recognizable benchmark on this filing, which is why the page shows no headline cap. A buyer who wants a simple cap-on-S&P comparable should look at a different FIA chassis.
  • Filing is restricted to roughly 30 jurisdictions — New York and a number of other states (including California, Oregon, Washington, the Plains and most of New England) are not on the availability list. Confirm your state is in scope before evaluating further. Renewal-rate risk also applies: the minimum guaranteed participation floor is much lower than current participation rates, so participation can reset toward that floor over the surrender term and the buyer carries that risk.

Not ideal for

Buyers who want an annual point-to-point cap on the spot S&P 500 as the headline, who need a contractually guaranteed GLWB rider, who want a premium bonus or a death-benefit roll-up, or who live in New York or any other state not on the carrier's restricted filing list. The minimum participation floor is also materially below current rates, so buyers who can't tolerate renewal-rate compression toward that floor should evaluate a different chassis.

Free Comparison Report

Get a Aquila X rate 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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All crediting strategies

View rate listings (24 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 110% · 1-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 70% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 60% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 60% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 40% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 90% · 1-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 55% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 45% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 30% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 190% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 150% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 105% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 85% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 85% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 55% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 130% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 115% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 70% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 65% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 60% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 40% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Income riders

Income rider

Income Pro

Lifetime withdrawal rateNot shown
Annual rider fee0.5%
Withdrawal-base growthNot shown

GLWB

Income rider

Income Elevate

Lifetime withdrawal rateNot shown
Annual rider feeNot shown
Withdrawal-base growthNot shown

GLWB

Income rider

Income Elevate Plus

Lifetime withdrawal rateNot shown
Annual rider feeNot shown
Withdrawal-base growthNot shown

GLWB

Income rider

Income Elite

Lifetime withdrawal rateNot shown
Annual rider fee0.95%
Withdrawal-base growthNot shown

GLWB

Common questions about Aquila X

● Can I lose money in Aquila X?

In a year the index falls, Aquila X credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does Aquila X compare to other FIAs?

Use "Compare against" in the analyzer to overlay Aquila X with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 20.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

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, Surrender waivers

Documents

product guide

GCU_Aquila X_Brochure copy.pdf

Confidence: highReviewed Apr 19, 2026

Direct link not published — request the document from the carrier.

product guide

Aquila-FIA-Application-Kit–All-Other-States.pdf

Confidence: highReviewed Apr 19, 2026

Direct link not published — request the document from the carrier.

rate sheet

Aquila-V-and-X-Rates.pdf

Confidence: highReviewed Apr 19, 2026

Direct link not published — request the document from the carrier.

product guide

Aquila-FIA-Application-Kit-GA-or-MO.pdf

Confidence: highReviewed Apr 11, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Aquila X currently shows 24 distinct indexed or fixed crediting choices across 25 current rate listings, including S&P 500 Dynamic Intraday TCA Index (USD) ER, with 15 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 60% participation
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 40% participation
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 50% participation

Income rider language

What to look for before treating the rider as income

Income Pro is the main income-rider entry returned 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.

  • 0.5% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

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.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as GCU_Aquila X_Brochure copy.pdf and Aquila-FIA-Application-Kit–All-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.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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See how Aquila X compares for your age, state, premium, and income goals alongside other GCU fixed indexed annuity options.

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