
GCU One Plus Four
About this product
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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
5 Years | 4.15% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
$300.00 - $200,000.00 | 4.15% |
Features | |
Maximum Issue Age | 90 years |
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