Financial Ratings
About Guaranty Income Life
Guaranty Income Life Insurance Company (GILICO), founded in 1926 and based in Baton Rouge, Louisiana, is a subsidiary of Kuvare US Holdings, Inc. It specializes in deferred and fixed indexed annuities designed to build stable retirement income and financial wellness for individuals and families—particularly middle‑market Americans. With nearly a century of experience, GILICO focuses on delivering flexible, value-oriented solutions, underpinned by long-standing principles of service, experience, and innovation.
Product Lineup
Guaranty Rate Lock
AnnuityGuaranteed rates, tax-deferred growth, no market risk
Best for: Investors nearing or in retirement who want guaranteed income growth, tax-deferr...
Details →WealthChoice 10 No Bonus
Fixed Indexed AnnuityFixed Index Annuity with Market Protection & Lifetime Income Options
Best for: Investors age 0-90 seeking tax-deferred growth with downside protection, guarant...
Details →WealthChoice 10 with Premium Bonus
Fixed Indexed AnnuityMarket growth + downside protection + lifetime income options
Best for: Investors age 50+ seeking retirement accumulation with market-linked growth, pri...
Details →WealthChoice 5
Fixed Indexed AnnuityGrowth + Protection + Lifetime Income Options
Best for: Retirees and near-retirees who want to grow their savings with market participat...
Details →WealthChoice 7
Fixed Indexed AnnuityGrowth + Protection + Income Choice
Best for: Investors aged 50+ seeking tax-deferred growth with downside protection, who can...
Details →Financial Ratings
Live from CANNEXRating Agency
A.M. Best
Rating
B++
Description
Good
Effective
September 25, 2025
Rating Agency
Fitch
Rating
A-
Description
Strong
Effective
May 31, 2022
Rating Agency
Moody's
Rating
A3
Description
Good
Effective
July 21, 2023
Rating Agency
Standard & Poor's
Rating
A-
Description
Strong
Effective
May 31, 2022
Rating Analysis
GILICO has earned an A‑ (Excellent) Financial Strength Rating from AM Best, which places it 4th out of 13 possible ranks. This rating highlights GILICO’s strong capitalization, consistent operating performance, prudent enterprise risk management, and adept balance-sheet positioning.
Guaranty Income Life Products
Fixed Indexed Annuities
Explore Guaranty Income Life fixed indexed annuity products with current rates and features.
View Products→Multi-Year Guaranteed Annuities
Compare Guaranty Income Life MYGA products with guaranteed rates and terms.
View Products→Immediate Annuities (SPIA)
View Guaranty Income Life single premium immediate annuity options.
View Products→Deferred Income Annuities (DIA)
Explore Guaranty Income Life deferred income and QLAC products.
View Products→Free Comparison Report
Get Guaranty Income Life's rate comparison report
See how Guaranty Income Life's rates, ratings, and product features compare to other carriers — free PDF report.
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