Fixed Indexed Annuity

Future Flex Fixed Index Annuity

GBU Life

10%

Free W/D

Available jurisdictions

Product data status: July 16, 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.

Model this product

See what Future Flex Fixed Index Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$147,765

Est. value at age 80 (Future Flex Fixed Index Annuity)

10%/yr

Free withdrawal allowance

Barclays Agility Shield Index — 270% Participation (With Annual Booster Fee · 2-yr point-to-point · 3% fee)

✦

How crediting works: the participation rate keeps a share of positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A participation strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Future Flex Fixed Index Annuity's published participation rate (270% on Barclays Agility Shield Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Net growth deducts the 3% annual strategy fee listed for this strategy. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

Free Comparison Report

Get a Future Flex Fixed Index Annuity rate report

See how Future Flex Fixed Index Annuity compares for your age, state, premium, and income goals alongside other GBU Life fixed indexed annuity options.

Get my rate report

Live rate data

Run live numbers for Future Flex Fixed Index Annuity

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this GBU Life product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

A current headline metric is not available for this product. 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

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

Fixed Account

4% declared rate

Fixed account

1-year term · 4-year surrender · Does not vary by premium

1-year term

4-year surrender

Does not vary by premium

+ 18 additional crediting 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.
The 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 — see the live contract facts for the current percentage.

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 source-backed lifetime-income specifics directly from this page should not rely on this product page alone; use a carrier illustration or a CANNEX response that publishes rider mechanics.

Free Comparison Report

Get a Future Flex Fixed Index Annuity rate report

See how Future Flex Fixed Index Annuity compares for your age, state, premium, and income goals alongside other GBU Life fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (19 strategies)

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

Par: 180% · 1-yr

Barclays Agility Shield Index

With Annual Booster Fee · participation