Previously observed rate
5.45%
1-yr guarantee · 5-yr surrender schedule · $300+ premium
Previously observed rate; see the data notice and rate table below.
31
Available states
Rates as of September 15, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Flex 5 Advantage
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this GCU product.
Live product data
Rates as of September 15, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
5.45% guaranteed for 1 years
GCU's five-year-surrender no-MVA fixed annuity with a one-year rate guarantee, enhanced annual liquidity, and two health-event waivers.
Best fit
Buyers in an eligible state who value unusually broad annual withdrawal access and can accept annual rate resets.
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 live feed shows a larger annual free-withdrawal allowance than the standard fixed-annuity norm, providing meaningful planned liquidity.
- The contract avoids an MVA and includes nursing-home and terminal-illness surrender waivers.
What to confirm
- The current rate is guaranteed for one year and can reset while the five-year surrender schedule remains active.
- Availability is limited to the states on the live filing list, and withdrawals above the enhanced allowance can still incur surrender charges.
Not ideal for
Buyers seeking a rate locked through the full surrender period or unrestricted access to principal.
Free Comparison Report
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See how Flex 5 Advantage 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 | 5.45%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
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%
Nursing home waiver, Terminal illness waiver
Carrier Ratings
Free Comparison Report
Get a Flex 5 Advantage rate report
See how Flex 5 Advantage compares for your age, state, premium, and income goals alongside other GCU MYGA options.