Expert review · 2026

GBU Life review

Annuity Atlas covers 8 GBU Life annuity products with live rates and contract specs. 8 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

A-

Insurer claims-paying rating

Products tracked: 8
MYGA yield (lineup max): 5.50% · 5yr · Asset Guard 5
Surrender range: 2–8 years

Rate as of Aug 31, 2026

Start my comparison

Products covered

A.M. Best

A-

Categories covered

MYGA · FIA

8 GBU Life annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Asset Guard 5 Buyers putting less than $100,000 into a 5-year locked-rate contract who want free, built-in liquidity if they're hit with a nursing home stay, critical illness, or terminal diagnosis	MYGA	5yr	A-	—	—	Review →
Asset Guard 4 Conservative savers who want a simple, guaranteed-rate contract from a member-owned carrier and plan to hold for the full 4 years anyway	MYGA	4yr	A-	—	—	Review →
Asset Guard 3 Depositors under $100,000 who specifically want a 3-year horizon and value a no-fee, no-surprise rate lock	MYGA	3yr	A-	—	—	Review →
Asset Guard 2 Conservative savers who want a short, fully guaranteed commitment from a fee-free contract without locking up money for several years	MYGA	2yr	A-	—	—	Review →
Asset Guard Fixed Index Annuity Buyers who want principal-protected, uncapped index participation on a short 4-year commitment and are willing to evaluate the optional booster-fee tradeoff rather than chase a headline participation rate	FIA	4yr	A-	—	—	Review →
Future Flex Fixed Index Annuity Accumulation-focused buyers who want a short 4-year indexed contract with uncapped participation-rate crediting and the ability to add premium over time, and who do not need a lifetime income rider	FIA	4yr	A-	—	—	Review →
Future Flex Preferred 5 Savers who want to drip in ongoing contributions to a low-fee, no-bonus fixed annuity from a financially stable carrier	MYGA	5yr	A-	—	—	Review →
Future Flex Preferred 8 Savers who want to drip in ongoing contributions to a fee-free, no-MVA fixed annuity and can tolerate not knowing the renewal rate after year one	MYGA	8yr	A-	—	—	Review →

Asset Guard 5

Buyers putting less than $100,000 into a 5-year locked-rate contract who want free, built-in liquidity if they're hit with a nursing home stay, critical illness, or terminal diagnosis

A-

A.M. BEST

MYGA5-YR SURRENDER

Review →

Asset Guard 4

Conservative savers who want a simple, guaranteed-rate contract from a member-owned carrier and plan to hold for the full 4 years anyway

A-

A.M. BEST

MYGA4-YR SURRENDER

Review →

Asset Guard 3

Depositors under $100,000 who specifically want a 3-year horizon and value a no-fee, no-surprise rate lock

A-

A.M. BEST

MYGA3-YR SURRENDER

Review →

Asset Guard 2

Conservative savers who want a short, fully guaranteed commitment from a fee-free contract without locking up money for several years

A-

A.M. BEST

MYGA2-YR SURRENDER

Review →

Asset Guard Fixed Index Annuity

Buyers who want principal-protected, uncapped index participation on a short 4-year commitment and are willing to evaluate the optional booster-fee tradeoff rather than chase a headline participation rate

A-

A.M. BEST

FIA4-YR SURRENDER

Review →

Future Flex Fixed Index Annuity

Accumulation-focused buyers who want a short 4-year indexed contract with uncapped participation-rate crediting and the ability to add premium over time, and who do not need a lifetime income rider

A-

A.M. BEST

FIA4-YR SURRENDER

Review →

Future Flex Preferred 5

Savers who want to drip in ongoing contributions to a low-fee, no-bonus fixed annuity from a financially stable carrier

A-

A.M. BEST

MYGA5-YR SURRENDER

Review →

Future Flex Preferred 8

Savers who want to drip in ongoing contributions to a fee-free, no-MVA fixed annuity and can tolerate not knowing the renewal rate after year one

A-

A.M. BEST

MYGA8-YR SURRENDER

Review →

Frequently asked questions

Is GBU Life a good annuity company?

We have reviewed 8 GBU Life products, and A.M. Best rates the carrier A- for financial strength.

What is the surrender period for GBU Life annuities?

Surrender periods on GBU Life's current lineup run 2–8 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

Full methodology →Who publishes this →

See your GBU Life income projection

Answer a few questions and compare the products that fit you, on today's rates.

Start my comparison Compare GBU Life →