Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
10%
Best Cap
10%
Free W/D
47
Jurisdictions
Product data status: June 26, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how WealthChoice 10 No Bonus compares for your age, state, premium, and income goals alongside other Guaranty Income Life fixed indexed annuity options.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Guaranty Income Life product.
Live product data
Rates as of June 26, 2026, based on the latest AdvisorWorld scan of CANNEX data.
S&P 500 annual point-to-point cap
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.
Best fit
Buyers who want indexed-crediting upside with downside-protected principal across a long ten-year FIA horizon, would rather get a higher headline cap on the live feed than an up-front premium bonus, and value the S&P 500 cap-with-bailout renewal-protection mechanic.
AM Best
A- Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
47 jurisdictions
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
2.25% cap rate
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
10% cap rate
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
6.7% trigger rate
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
40% participation rate
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
Fixed Account
Fixed Account
5% declared rate
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 1000% · 1-yr
Horizon Ascend 5% Index
participation
Par: 165% · 1-yr
Barclays Global Quality 5% Index
participation
Par: 40% · 1-yr
S&P 500 Index
participation
Cap: 10% · 1-yr
S&P 500 Index
Cap with Bailout · cap
Trigger: 6.7% · 1-yr
S&P 500 Index
trigger
Fixed: 5% · 1-yr
Fixed Account
fixed
Cap: 2.25% · 1-yr
S&P 500 Index
monthly_sum_cap
Cap: 11% · 10-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
cap
Income rider
Income rider
Product analyst notes
Not ideal for
Buyers who want contractual lifetime income (no optional GLWB rider and no Protected Income Value on this filing), an up-front premium-bonus credit (the sibling 'With Premium Bonus' filing is the right one), short-window liquidity, or a multi-source financial-strength view from the carrier.
Free Comparison Report
See how WealthChoice 10 No Bonus compares for your age, state, premium, and income goals alongside other Guaranty Income Life fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 1000% · 1-yr
Horizon Ascend 5% Index
participation
Par: 165% · 1-yr
Barclays Global Quality 5% Index
participation
Par: 40% · 1-yr
S&P 500 Index
participation
Cap: 10% · 1-yr
S&P 500 Index
Cap with Bailout · cap
Trigger: 6.7% · 1-yr
S&P 500 Index
trigger
Fixed: 5% · 1-yr
Fixed Account
fixed
Cap: 2.25% · 1-yr
S&P 500 Index
monthly_sum_cap
Cap: 11% · 10-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
cap
Income rider
GLWB
Income rider
GLWB
In a year the index falls, WealthChoice 10 No Bonus credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 6.3% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay WealthChoice 10 No Bonus with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, RMD waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap: 0.10%
Minimum guaranteed declared rate: 1.00%
Guaranteed minimum interest rate (fixed): 2.95%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
advisor sheet
Direct link not published — request the document from the carrier.
Crediting design
WealthChoice 10 No Bonus currently shows 8 indexed or fixed crediting options, including S&P 500 Index, with 2 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Income rider language
Guaranteed Living Benefit Rider (GLBR) - Level is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as WealthChoice 10 No Bonus brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how WealthChoice 10 No Bonus compares for your age, state, premium, and income goals alongside other Guaranty Income Life fixed indexed annuity options.