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Fixed Indexed Annuity

Future Flex Fixed Index Annuity

GBU Life

10%

Free W/D

48

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Headline metric not available in the live product feed for this product on this request. Confirm current terms with the carrier.

A short four-year-surrender fixed indexed annuity from GBU Life, an A-minus-rated fraternal carrier, built for accumulation across a small menu of Barclays-proprietary volatility-controlled indexes with annual and two-year point-to-point participation crediting, plus a fixed account — no built-in income rider and no premium bonus.

AdvisorWorld + CANNEX data

Best fit

Buyers who want a noticeably shorter surrender commitment than the typical FIA, are comfortable that the indexed strategies sit on proprietary volatility-controlled benchmarks rather than the S&P 500, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

4 years

Free withdrawal

10%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

4% declared rate

+ 12 volatility-controlled index options (Barclays Agility, Barclays Fortune, Barclays US...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Short four-year surrender term — well below the seven-to-ten year norm in the FIA market, so a buyer's principal locks up for less than half the typical commitment.
  • Crediting menu offers annual point-to-point participation rates on each available index alongside a parallel two-year point-to-point participation rate on the same index, so a buyer can split allocations between an annual-reset bucket and a longer crediting window on identical underlyings.
  • Surrender-charge waivers cover the standard protective triggers — terminal illness, nursing-home confinement — alongside additional activities-of-daily-living and home-health-care language, so the contract is more flexible than the bare minimum on involuntary-liquidity events.
  • Annual free-withdrawal allowance sits at the upper end of the typical FIA range, giving meaningful penalty-free liquidity inside the short four-year surrender window — buyers should read the freeWithdrawalPct field on the live feed for the current figure.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. The live feed shows an empty income-rider list, and the contract has no Protected Income Value chassis. Do not compare its payout side-by-side with a rider-led or PIV income FIA.
  • Every indexed strategy on the contract sits on a Barclays-proprietary volatility-controlled index (Agility Shield, Fortune 500 12% Index, US Tech 12% Index). None of these is the recognizable uncapped S&P 500 benchmark most FIA shoppers compare against, so a participation rate quoted here is not directly comparable to a cap on the S&P 500 from another carrier. Evaluate the indexes on their own merits.
  • The contract-level guaranteed minimums for both the fixed-bucket interest rate and the indexed-strategy participation rate are set at the floors carriers typically file to back-stop a worst-case renewal scenario, not the rates the buyer actually expects to earn. Carrier renewal rates can reset down toward those floors over the surrender term, and the buyer carries that renewal risk for the full four years — read the contract's guaranteed-minimum filings before relying on current declared rates.
  • Filing is not currently available in all jurisdictions — the live state list shows 48 of 51 jurisdictions, so a buyer outside the registered footprint will need to look at a different filing. There is no premium bonus and no death-benefit roll-up; the death benefit is the standard contract value.

Not ideal for

Buyers who need an S&P 500 cap they can line up against other FIAs, want a GLWB income rider or PIV-driven lifetime-income payout, expect a premium bonus or death-benefit roll-up, or are shopping from a state outside the contract's registered footprint.

All crediting strategies

View rate listings (26 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 120% · 1-yr

Barclays Agility Shield Index

With Annual Booster Fee · participation

4-yr surrender

Par: 90% · 1-yr

Barclays Agility Shield Index

participation

4-yr surrender

Par: 80% · 1-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · participation

4-yr surrender

Par: 75% · 1-yr

Barclays US Tech 12% Index

With Annual Booster Fee · participation

4-yr surrender

Par: 60% · 1-yr

Barclays Fortune 500 12% Index

participation

4-yr surrender

Par: 55% · 1-yr

Barclays US Tech 12% Index

participation

4-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

4-yr surrender

Par: 180% · 2-yr

Barclays Agility Shield Index

With Annual Booster Fee · participation

4-yr surrender

Par: 135% · 2-yr

Barclays Agility Shield Index

participation

4-yr surrender

Par: 125% · 2-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee · participation

4-yr surrender

Par: 115% · 2-yr

Barclays US Tech 12% Index

With Annual Booster Fee · participation

4-yr surrender

Par: 95% · 2-yr

Barclays Fortune 500 12% Index

participation

4-yr surrender

Par: 85% · 2-yr

Barclays US Tech 12% Index

participation

4-yr surrender

Par: 120% · 1-yr

Barclays Agility Shield Index

With Annual Booster Fee

Par: 90% · 1-yr

Barclays Agility Shield Index

Par: 80% · 1-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee

Par: 75% · 1-yr

Barclays US Tech 12% Index

With Annual Booster Fee

Par: 60% · 1-yr

Barclays Fortune 500 12% Index

Par: 55% · 1-yr

Barclays US Tech 12% Index

Fixed: 4% · 1-yr

Fixed Account

Par: 180% · 2-yr

Barclays Agility Shield Index

With Annual Booster Fee

Par: 135% · 2-yr

Barclays Agility Shield Index

Par: 125% · 2-yr

Barclays Fortune 500 12% Index

With Annual Booster Fee

Par: 115% · 2-yr

Barclays US Tech 12% Index

With Annual Booster Fee

Par: 95% · 2-yr

Barclays Fortune 500 12% Index

Par: 85% · 2-yr

Barclays US Tech 12% Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Activities of daily living, Home health care rider, Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

Strategy guarantee

Minimum guaranteed participation: 20.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

8%

Yr 3

7%

Yr 4

7%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

GBU Financial Life Insurance Company GBU Life Future Flex brochure pdf.pdf

Confidence: highReviewed Apr 16, 2026

Direct link not published — request the document from the carrier.

brochure

GBU Financial Life Insurance Company GBU Life Future Flex brochure pdf.pdf

Confidence: highReviewed Apr 15, 2026

Direct link not published — request the document from the carrier.

brochure

Future Flex Fixed Index Annuity - GBU Life.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Future Flex Fixed Index Annuity currently shows 13 distinct indexed or fixed crediting choices across 26 current rate listings, including Fixed Account, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • Fixed Account: 4% fixed

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 4 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as GBU Financial Life Insurance Company GBU Life Future Flex brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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