3.9%
1-yr guarantee · 5-yr surrender schedule · $300+ premium
31
Available states
Rates as of August 7, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for 1 + 4 Choice
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this GCU product.
Live product data
Rates as of August 7, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
3.9% guaranteed for 1 years
A five-year-surrender no-MVA fixed annuity from GCU with a one-year rate guarantee and annual withdrawal access.
Best fit
Buyers in an eligible state who can accept annual renewal-rate decisions and want a middle-length no-MVA surrender schedule.
Available guarantee terms
1 year
AM Best
A- Excellent
Surrender period
5 years
Free withdrawal
0%/yr
Availability
31 states (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- The contract avoids a market value adjustment and provides an annual free-withdrawal allowance.
- Its five-year surrender horizon is shorter than many long-duration fixed-annuity contracts.
What to confirm
- The current credited rate is guaranteed for one year while the surrender schedule lasts longer, so later renewal rates can change.
- The contract is available in a limited set of states and publishes no additional surrender waivers in the live feed.
Not ideal for
Buyers who want a five-year contractual rate lock, need event-based surrender waivers, or live outside the contract footprint.
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Guaranteed Rates by Term
| Term | Surrender term | Published rate |
|---|---|---|
| 1-Year | 5-Year schedule | 3.9%Rate convention not stated |
Key Features
Free withdrawal
0%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
5-Year Version
Yr 1
9%
Yr 2
7%
Yr 3
5%
Yr 4
3%
Yr 5
100%
After
0%
Carrier Ratings
Free Comparison Report
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See how 1 + 4 Choice compares for your age, state, premium, and income goals alongside other GCU MYGA options.