Annuity Atlas
Reviews

Expert review · 2026

Guaranty Income Life review

Annuity Atlas covers 17 Guaranty Income Life annuity products with live rates and contract specs. 17 carry full editorial reviews.

Carrier strength

A-
A.M. Best
Products17
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Products covered
17
A.M. Best
A-
Categories covered
MYGA · FIA
01

17 Guaranty Income Life annuities

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

ProductTypeSurrenderRatingIncome riderBonus
Rate Lock 5-Year
Savers who want a clean five-year locked rate with a low minimum, RMD flexibility, and no rider complexity
MYGA5yrA-——Review →
Rate Lock 7-Year
Conservative savers who want a locked guaranteed rate for seven years with no fees or rider complexity, and can commit to the full term
MYGA7yrA-——Review →
Rate Lock 4-Year
Savers who want a short, guaranteed-rate commitment with no annual fees and a clean four-year lockup
MYGA4yrA-——Review →
Rate Lock 3-Year
Savers who want a short, locked-rate commitment with no index complexity and a clean exit in three years
MYGA3yrA-——Review →
Rate Lock 10-Year
Buyers who want a fully locked rate for a decade, full death benefit protection, and RMD-friendly terms without any income rider complexity
MYGA10yrA-——Review →
Rate Lock 6-Year
Savers who want a clean locked rate for six years without index complexity or rider fees, particularly those with larger premium amounts who qualify for the tiered rate improvement
MYGA6yrA-——Review →
Rate Lock 8-Year
Conservative buyers who want a locked eight-year rate with no market exposure, no rider complexity, and a standard free-withdrawal provision
MYGA8yrA-——Review →
Rate Lock 9-Year
Retirement savers who want a locked guaranteed rate for nine years and have no near-term need for the principal
MYGA9yrA-——Review →
Guidepath Bonus
A buyer who wants the largest possible starting balance, expects weak index years ahead, and is certain they will hold the contract for the full ten years
FIA10yrA-—17%Review →
Guidepath Growth 5-Year
A five-year accumulation buyer who wants an above-median cap, a short commitment, and the option to lock a cap for the full term
FIA5yrA-——Review →
Guidepath Growth 7-Year
A seven-year accumulation buyer who wants an above-market cap now and the option to lock a cap for the whole term instead
FIA7yrA-——Review →
Guidepath Income 10-Year
An income buyer who wants the longest Guidepath commitment and is certain they will not need access before the ten-year surrender charge runs out
FIA10yrA-Yes
1.20% annually (1.20% max) fee
—Review →
Guidepath Income 7-Year
A buyer who wants a guaranteed lifetime income rider and values being free of surrender charges at year seven while the benefit base keeps rolling up to year ten
FIA7yrA-Yes
1.20% annually (1.20% max) fee
—Review →
WealthChoice 10-Year
Buyers who want a long-horizon accumulation FIA with no upfront bonus and the option to add lifetime income later without paying for it unless they need it
FIA10yrA-——Review →
WealthChoice 5-Year
Buyers who want a short-commitment FIA with a clean fee structure, a competitive fixed account option, and locked participation rates on specialty indices for the full 5-year term
FIA5yrA-——Review →
WealthChoice 7-Year
Retirement savers who want principal protection and a range of index crediting choices, with the flexibility to add a lifetime income layer if needed later
FIA7yrA-——Review →
WealthChoice Bonus 10-Year
Buyers who want a 10% upfront account-value credit, are comfortable with a 10-year commitment, and do not need an income rider built into the contract
FIA10yrA-—10%Review →
02

Income rider fees

Disclosed charges for optional riders on Guaranty Income Life products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Guaranteed Accumulation Protection (GAP) RiderGuidepath Growth 5-Year0.20%
Guaranty Glidepath Income Option 1: Interest Roll-Up RiderGuidepath Income 10-Year1.20% annually (1.20% max)
Guaranty Glidepath Income Option 2: Interest Credit Multiplier RiderGuidepath Income 10-Year1.20% annually (1.20% max)
WealthChoice GLBR: Increasing IncomeWealthChoice 10-Year0.95% annually
WealthChoice GLBR: Level IncomeWealthChoice 10-Year0.95% annually
03

Frequently asked questions

Is Guaranty Income Life a good annuity company?
We have reviewed 17 Guaranty Income Life products, and A.M. Best rates the carrier A- for financial strength.
What are the fees for Guaranty Income Life annuities?
Fee structures vary by product. Optional income riders on Guaranty Income Life products carry disclosed charges — for example Guaranteed Accumulation Protection (GAP) Rider (Guidepath Growth 5-Year): 0.20% ; Guaranty Glidepath Income Option 1: Interest Roll-Up Rider (Guidepath Income 10-Year): 1.20% annually (1.20% max); Guaranty Glidepath Income Option 2: Interest Credit Multiplier Rider (Guidepath Income 10-Year): 1.20% annually (1.20% max). See each product review for the full fee detail.
What is the surrender period for Guaranty Income Life annuities?
Surrender periods on Guaranty Income Life's current lineup run 3–10 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 →

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