Simulation & Edit Mode
Active Product: GCU – One Plus Four
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.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 5 Years | 4.00% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $300.00 - $200,000.00 | 4.00% |
Features
| Maximum Issue Age | 90 years |
Growth Projection
How your money grows
Based on your issue age (80) and target payout age (85), the following guarantee period will be applied:
| Guarantee Period | 5 years |
| Rate | 4.00% |
| Age | 80 - 85 |
Summary
| Total years to payout | 10 |
| Total guarantee periods applied | 2 |
Lifetime Income Details
Payout Options
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