A.M. Best A- rated · 5 products
Guaranty Income Life Annuities — A- Rated
Guaranty Income Life is an A.M. Best A--rated annuity carrier. The current lineup includes 5 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A-
A.M. Best
Annuity products
5
5 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 4 FIA product pages, 1 MYGA product page
- Product families
- WealthChoice, Guaranty Rate Lock, WealthChoice 10 No Bonus, WealthChoice 10 With Premium Bonus
- Product types
- FIA, MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
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Carrier Profile
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.
Financial Strength In Plain English
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.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
WealthChoice 10 No Bonus
A ten-year fixed indexed annuity from Guaranty Income Life Insurance Company — the non-bonus variant of the ten-year WealthChoice chassis, built around an S&P 500 annual point-to-point cap with a bailout-cap renewal protection and three contractual surrender waivers.
Open product pageGuaranty Rate Lock
A multi-year guaranteed annuity from Guaranty Income Life Insurance Company with an eight-term menu (3 through 10 years), a 5-year surrender schedule that matches the lead 5-year guarantee period exactly, an annual free-withdrawal allowance, and three contractual surrender waivers.
Open product pageWealthChoice 10 With Premium Bonus
A ten-year fixed indexed annuity from Guaranty Income Life Insurance Company — the premium-bonus variant of the ten-year WealthChoice chassis, with an up-front bonus credit that is funded by a lower headline cap on the S&P 500 annual point-to-point strategy.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
WealthChoice
2 product pages
WealthChoice 5, WealthChoice 7
WealthChoice 10 No Bonus
WealthChoice 10 No Bonus
Open the product page for live rates, state availability, and term-specific detail.
WealthChoice 10 With Premium Bonus
WealthChoice 10 With Premium Bonus
Open the product page for live rates, state availability, and term-specific detail.
MYGA Products
Guaranty Rate Lock
Guaranty Rate Lock
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A001GC
WealthChoice 10 No Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
A001GE
WealthChoice 10 With Premium Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
A001G4
WealthChoice 5
- Coverage
- ARHQ product page
- Current rate
- Available
A001G7
WealthChoice 7
- Coverage
- ARHQ product page
- Current rate
- Available
A001GG
Guaranty Rate Lock
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Guaranty Income Life combines WealthChoice FIA pages with one fixed-rate Guaranty Rate Lock page.
Bonus and no-bonus WealthChoice pages should be compared with the product-page rate and surrender details visible.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Guaranty Income Life Product Families
Product-list pages carry the full tables, filters, and detail links.
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