Flex 5 Advantage
GCU
5.15%
Best Rate
10%
Free W/D
31
States
The Flex 5 Advantage is a deferred annuity that offers competitive crediting rates with a safety net of guaranteed minimums. It's designed for conservative investors seeking steady growth with flexible access to their money and built-in protection for life events.
Free Withdrawal
10%/yr
Available In
31 states
Min Premium
$300
Surrender
5 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 1-Year | 5.15% |
Key Features
Current Crediting Rate
5.15% APY (effective 2/01/2026–2/28/2026)Your money earns interest at this promotional rate for the first contract year
Minimum Guaranteed Rate
2.65%Your rate will never fall below this floor, even if market conditions change
Flexible Withdrawals
Year 1: 10%; Years 2-5: 20% of beginning balanceYou can access your money without full surrender charges: 10% in Year 1, then up to 20% of annual balance in Years 2-5
Surrender Charge Schedule
9% - 7% - 5% - 3% - 1% (Years 1-5)Charges decline each year, giving you increasing penalty-free access as time passes
Long-Term Care & Terminal Illness Waivers
Both includedIf you need long-term care or face terminal illness, surrender charges are waived
Death Benefit Waiver
Included on all GCU deferred annuitiesBeneficiaries receive full death benefits without any surrender charges applied
Eligibility
Ages 0-88; $300-$750,000 initial depositAvailable for both personal and qualified retirement accounts
Highlights
5.15% crediting rate for the first year with a 2.65% minimum guaranteed floor
Flexible withdrawals starting in Year 1 with no surrender charges on death benefits
Long-term care and terminal illness waivers included to protect your contract
Available for qualified retirement plans with deposits from $300 to $750,000
Five-year surrender charge schedule (9%-1%) allows penalty-free access to growing funds
Surrender Schedule
Yr 1
9%
Yr 2
7%
Yr 3
5%
Yr 4
3%
Yr 5
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Conservative investors aged 0-88 seeking steady growth with downside protection and flexible access to their funds, especially those concerned about long-term care needs.
Consider Alternatives If
Investors who need immediate access to their full balance or cannot commit funds for at least five years without penalty.
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