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Active Product: Guaranty Income Life – Guaranty Rate Lock® Fee-Based – Non-MVA (3–10 Year Terms)
Guaranty Income Life – Guaranty Rate Lock® Fee-Based – Non-MVA (3–10 Year Terms)
About this product
The Guaranty Rate Lock® Fee-Based – Non-MVA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Guaranty Income Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3- through 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. With penalty-free access beginning in year two and straightforward contract mechanics, Guaranty Rate Lock Fee-Based supports long-term financial planning with security, simplicity, and consistent growth.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 4.45% |
| 4 Years | 4.70% |
| 5 Years | 5.20% |
| 6 Years | 4.45% |
| 7 Years | 5.25% |
| 8 Years | 4.45% |
| 9 Years | 4.45% |
| 10 Years | 4.45% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $99,999.00 | 4.35% |
| $100,000.00 - $249,999.00 | 4.45% |
| $250,000.00 - $1,000,000.00 | 4.45% |
Features
| Maximum Issue Age | 100 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (65), the following guarantee period will be applied:
| Guarantee Period | 10 years |
| Rate | 4.45% |
| Age | 55 - 65 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 3 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage