What is the minimum guaranteed surrender value for GCU – Triple Advantage Plus?

Triple Advantage PLUS is a fixed deferred annuity that credits a declared interest rate for the entire 36-month guarantee period. The owner makes an initial deposit (and may make additional deposits), and interest grows tax-deferred. No withdrawal privileges are available in year 1, but in years 2 and 3, the owner may withdraw up to 10% of the contract value (based on the prior anniversary date contract value) without surrender charges. Withdrawals in excess of the free-withdrawal amount (or a full surrender during the term) are subject to surrender charges that decline annually. At the end of the 3-year period, the contract continues at the GCU declared interest rate unless surrendered, and GCU’s public product summary also indicates the rate is guaranteed for all three contract years.

What is the minimum premium amount for GCU – Triple Advantage Plus?

The minimum premium amount is $300.

What is the maximum issue age for GCU – Triple Advantage Plus?

The maximum issue age is 95 years.

What is the current interest rate for GCU – Triple Advantage Plus?

The current interest rate is 4%.

What is the surrender charge schedule for GCU – Triple Advantage Plus?

Surrender charges apply if more than the allowed amount is withdrawn: 5% in the first year, 3% in the second year, and 1% in the third year.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.

What are the best rates available for GCU – Triple Advantage Plus?

The best available rate is 5.00% for a 3 year term.

GCU

GCU – Triple Advantage Plus

About this product

The GCU – Triple Advantage PLUS is a 36-month Multi-Year Guaranteed Annuity (MYGA) issued by GCU Financial Life that provides fixed, tax-deferred interest growth with full principal protection. The interest rate is guaranteed for the entire three-year term, making it a straightforward option for conservative savers seeking predictable accumulation without market risk.

With a low minimum investment, tiered rates for larger deposits, and penalty-free withdrawal access beginning in year two, Triple Advantage PLUS offers short-term flexibility while maintaining strong guarantees. A death-benefit waiver ensures beneficiaries receive the full contract value without surrender charges, making this MYGA a simple and efficient solution for both qualified and non-qualified funds.

Available Rates

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

3 Years

5.00%

Available Guarantee Periods

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

$300.00 - $4,999.00	4%
$5,000.00 - $49,999.00	4.5%
$50,000.00 - $500,000.00	5%

Features
Maximum Issue Age	95 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