Guaranty Income Life
Guidepath Income 7
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
7 years
Top yield
0.47%
A.M. Best
A-
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Rate Account | Fixed | 3.00% | — | — | 0.47% |
| 1 Year NASDAQ Chronos Point to Point with 7 Year Guaranteed Cap | Point to Point | — | 7.00% | — | — |
| 1-Year Franklin SG Insights Point to Point High Water Mark Performance Lock Account | High Water | — | — | 125.00% | — |
| 1-Year Franklin SG Insights Point to Point Participation Rate | Point to Point | — | — | 100.00% | — |
| 1-Year S&P 500 Annual Point to Point Cap | Point to Point | — | 6.25% | — | — |
| 1-Year S&P 500 Annual Point to Point Participation Rate | Point to Point | — | — | 30.00% | — |
| 1-Year S&P 500 Annual Point to Point Performance Trigger | Performance Triggered | — | 4.00% | — | — |
| 1-Year S&P 500 Annual Point to Point with a 7 Year Guaranteed Cap | Point to Point | — | 4.75% | — | — |
| 1-Year S&P 500 Dynamic Intraday TCA Point to Point with a 7 Year Guaranteed Cap | Point to Point | — | 7.00% | — | — |
| 1-Year UBS MASTR Point to Point Participation Rate | Point to Point | — | — | 100.00% | — |
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Product Specifications
- Minimum premium (non-qualified)
- $15,000
- Minimum premium (qualified)
- $15,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- Interest Only
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 46 states
Income Riders
Guaranty Glidepath Income Option 1: Interest Roll-Up RiderGLWB(built in)
Roll-up: 12.00%
Withdrawal age: 50.0 Min
Guaranty Glidepath Income Option 2: Interest Credit Multiplier RiderGLWB(built in)
Roll-up: Interest Only with 1.90% bump up
Withdrawal age: 50.0 Min
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.