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Surrender charges apply if more than the allowed amount is withdrawn: 5% in the first year, 3% in the second year, and 1% in the third year. However, in the event of the annuitant’s death, no surrender charges are imposed on the death benefit.

No surrender charges will be imposed on the death benefits paid under this annuity contract.

Fixed Deferred Annuity (Multi-Year Guaranteed Annuity - MYGA).

The policy provides limited liquidity, allowing for penalty-free withdrawals of up to 10% of the beginning balance in years two and three. Surrender charges apply if more than the allowed amount is withdrawn: 5% in the first year, 3% in the second year, and 1% in the third year. However, in the event of the annuitant’s death, no surrender charges are imposed on the death benefit, ensuring that beneficiaries receive the full value of the annuity. The policy does not include long-term care or terminal illness waivers. The minimum initial deposit is $300, with a maximum of $500,000, and it is available to individuals aged 0 to 95.

Subject to surrender charges: 5% in year 1, 3% in year 2, and 1% in year 3.

 is a 36-month Multi-Year Guaranteed Annuity (MYGA) designed to provide a secure and predictable investment option. It offers a guaranteed interest rate for the entire three-year term, with rates tiered based on the initial deposit amount: 4.00% for $300–$4,999, 4.50% for $5,000–$49,999, and 4.90% for deposits over $50,000. This annuity is suitable for individuals seeking a short-term, low-risk investment with the benefit of tax-deferred growth. It accommodates additional deposits and is eligible for qualified plans, making it a flexible choice for retirement planning. 

The GCU One Plus Four annuity applies surrender charges on withdrawals made outside the free withdrawal provisions during the five-year term. The surrender charge schedule begins at 9% in the first contract year and gradually decreases each year: 7% in year two, 5% in year three, 3% in year four, and 1% in year five. No surrender charge applies after the fifth year. However, policyholders have a 30-day window after the first contract anniversary during which they may surrender the contract or convert it to a new One Plus Four contract without incurring surrender charges.

No surrender charges will be imposed on the death benefits paid under this annuity contract. 

Long Term Care Waiver: No; Terminal Illness Waiver: No.

Years 2-5 = 10% of that year’s beginning balance.

The policy provides a guaranteed interest rate for the first year, ensuring predictable growth. Upon the first contract anniversary, policyholders can choose to continue the contract, convert to a new One Plus Four contract, or surrender the contract without surrender charges. This flexibility allows policyholders to adapt their investment strategy based on changing financial goals or market conditions. 

Upon the first contract anniversary, and for 30 days thereafter, you have the option of: 1. Continuing the contract for the remaining four years. The rate for each subsequent year will be based on the Flex 5 Advantage New Issue Crediting Rate at each anniversary of your contract, and guaranteed at that level for the contract year. During the 30 day window, you may withdraw any portion of your proceeds without a surrender charge. 2. Surrendering the contract during the 30 day window, and converting to a new One Plus Four. The initial crediting rate for the new contract will be the current crediting rate in the month of the conversion. The entire proceeds of the existing contract may be converted into the new contract without creating a taxable event. 3. Surrendering the contract completely without incurring a surrender charge. (Again, this will create a taxable event and potential penalties.)

The GCU One Plus Four is a fixed deferred annuity product offering a one-year guaranteed interest rate, followed by a four-year term with flexible options. After the initial year, policyholders have a 30-day window to either continue the contract for the remaining four years at a rate based on the Flex 5 Advantage New Issue Crediting Rate, convert to a new One Plus Four contract, or surrender the contract without incurring surrender charges. This product is designed for individuals seeking a short-term investment with the flexibility to adjust their strategy annually, and it accepts both qualified and non-qualified funds.

GCU Triple Advantage PLUS

GCU One Plus Four