Guaranty Rate Lock
Guaranty Income Life
4.8%
Best Rate
5%
Free W/D
47
States
A fixed annuity that locks in a guaranteed interest rate for 3 to 10 years, provides tax-deferred growth, and protects you from market fluctuations. It's designed for people seeking predictable income growth and financial peace of mind without complexity.
Free Withdrawal
5%/yr
Available In
47 states
Min Premium
$10,000
Surrender
10 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.3% |
| 4-Year | 4.5% |
| 5-Year | 4.8% |
| 6-Year | 4.1% |
| 7-Year | 4.8% |
| 8-Year | 4.1% |
| 9-Year | 4.1% |
| 10-Year | 4.1% |
Key Features
Guaranteed Crediting Rate
3-10 year terms availableCompany guarantees a fixed interest rate for your chosen guarantee period, protecting you from market fluctuations.
Tax Deferral
Earn interest on principal, interest, and tax dollarsYou don't pay income tax on interest earnings until you withdraw the money, allowing compounding on pre-tax dollars.
No Front-End Charges
0% upfront costs100% of your premium begins working immediately with no initial fees or annual charges.
Free Partial Withdrawals
Starting year 2, 5% annuallyAccess 5% of your prior year's value annually starting in year 2 without surrender charges (minimum $250).
Decreasing Surrender Charges
Declines from 9% to 0.50% depending on termSurrender charges decline each year, making it less costly to access your money as the guarantee period progresses.
Issue Ages
Ages 0-100 for 3-5 years; ages 0-90 for 6-10 yearsProduct is available to applicants of various ages depending on the guarantee period selected.
Higher Crediting Rates for Larger Premiums
$10k-$99,999 (Great), $100k-$249,999 (Better), $250k+ (Best)Tiered crediting rates reward larger deposits with better rates.
Systematic Withdrawals
4 flexible payment optionsChoose monthly, quarterly, semi-annual, or annual withdrawal schedules for retirement income.
Terminal Illness & Nursing Home Waiver
Penalty waiver availableSurrender charges and Market Value Adjustments may be waived if you qualify due to terminal illness or nursing home confinement.
Guaranteed Minimum Interest Rate
0.50% GMIREven if rates drop, your money earns at least the GMIR after the guarantee period ends.
Highlights
Guaranteed crediting rates for 3-10 year terms with no market risk to your principal
Tax-deferred growth lets you earn interest on interest and on money you'd normally pay in taxes
No front-end charges or annual fees—100% of your money works for you from day one
Flexible liquidity through free partial withdrawals (5% annually starting year 2) and systematic payment options
Surrender charges decrease annually, with potential waivers for terminal illness or nursing home confinement
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
4%
Yr 6
5%
Yr 7
3%
Yr 8
2%
Yr 9
1%
Yr 10
0.5%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Investors nearing or in retirement who want guaranteed income growth, tax-deferred compounding, and protection from market risk without the complexity of variable products.
Consider Alternatives If
Investors who need liquidity within 2-3 years, expect to need more than 5% of their balance annually, or require market-linked upside potential.
Carrier Ratings
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