3.9%
1-yr guarantee · 5-yr surrender schedule · $300+ premium
31
Available states
Rates as of September 16, 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 September 16, 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
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.
Free Comparison Report
Get a 1 + 4 Choice rate report
See how 1 + 4 Choice compares for your age, state, premium, and income goals alongside other GCU MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 1-Year | 5-Year schedule | Aug 1, 2026 | 3.9%Compound annual rate |
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.
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
1%
After
0%
Carrier Ratings
Free Comparison Report
Get a 1 + 4 Choice rate report
See how 1 + 4 Choice compares for your age, state, premium, and income goals alongside other GCU MYGA options.