WealthChoice 10 with Premium Bonus
Guaranty Income Life
8%
Best Cap
10%
Free W/D
47
States
WealthChoice is a fixed indexed annuity that lets you grow your retirement savings with market-linked growth potential while protecting principal from losses. It's designed for people who want accumulation and income flexibility without stock market risk.
Free Withdrawal
10%/yr
Available In
47 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Global Quality 5% Index | Annual | -- | 125% | -- |
| Horizon Ascend 5% Index | Annual | -- | 10% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | 8% | 100% | -- |
| S&P 500 Index | Annual | 6.5% | 100% | -- |
| S&P 500 Index | Monthly | 2% | 100% | -- |
| Fixed Account | Daily | -- | -- | 5% |
Key Features
Contract Options
5, 7, or 10 yearsChoose from 5, 7, or 10-year commitment periods with single premium from $20,000 to $1,000,000
Interest Crediting Choices
Fixed + Multiple Indexed OptionsAllocate funds to fixed interest account or indexed options tied to market indexes; reallocate annually or keep original selections
Free Partial Withdrawals
10% annuallyWithdraw up to 10% of anniversary value annually without surrender charges during contract period
Return of Premium Guarantee
100% after year 5After year 5, full surrender amount never less than initial premium (adjusted for withdrawals)
Death Benefit Enhancement
110% on 5-year payoutIf beneficiary chooses 5-year payout, death benefit multiplied by 110%
Tax-Deferred Growth
Full tax deferralEarnings compound tax-free until withdrawal; pay taxes only on gains when accessed
Required Minimum Distribution Access
Penalty-free RMDsWithdraw IRS-required amounts after age 73 without surrender penalties, regardless of amount
Highlights
Gain market upside through indexed interest crediting while principal is protected from market downturns
Choose from 5-, 7-, or 10-year options with flexible allocation between fixed and indexed accounts
Optional Guaranteed Living Benefit Rider provides lifetime income without regard to account balance
Premium bonus available on 10-year contracts with no rider fee
Return of premium guarantee ensures you get back at least your initial investment after year 5
Surrender Schedule
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
Best For
Investors age 50+ seeking retirement accumulation with market-linked growth, principal protection, and eventual lifetime income without stock market exposure.
Consider Alternatives If
Investors who need immediate liquidity or who cannot commit capital for 5-10 years, as early withdrawal beyond annual free amounts incurs surrender charges.
Carrier Ratings
Free Comparison Report
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