What is the minimum guaranteed surrender value for GCU – One Plus Four?

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.

What is the minimum premium amount for GCU – One Plus Four?

The minimum premium amount is $300.

What is the maximum issue age for GCU – One Plus Four?

The maximum issue age is 90 years.

What is the current interest rate for GCU – One Plus Four?

The current interest rate is 4%.

What is the surrender charge schedule for GCU – One Plus Four?

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.

What are the best rates available for GCU – One Plus Four?

The best available rate is 4.00% for a 5 year term.

GCU

GCU – One Plus Four

About this product

The GCU – One Plus Four is a single-premium fixed deferred annuity built around a 1-year initial guarantee periodfollowed by a 4-year continuation period. It provides tax-deferred interest growth and principal protection, with a 30-day penalty-free window at the end of year one that allows the owner to continue, re-issue into a new One Plus Four, or surrender without surrender charges. The product is designed for conservative clients who want a guaranteed rate today plus built-in flexibility after the first year.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

5 Years

4.00%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$300.00 - $200,000.00

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage