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Fixed Indexed Annuity

Aquila X

GCU

10%

Free W/D

30

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 five-year-surrender fixed indexed annuity from GCU, an A- AM Best–rated fraternal carrier, built for indexed accumulation on a participation-rate menu of proprietary volatility-controlled benchmarks plus a fixed-account option, with no cap-style headline and no income rider.

AdvisorWorld + CANNEX data

Best fit

Buyers in one of GCU's roughly 30 filing states who want a shorter (five-year) FIA surrender commitment, are comfortable with participation-rate crediting on volatility-controlled indexes, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A- Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

30 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

4.25% declared rate

+ 6 volatility-controlled index options (Barclays US, Barclays Zorya, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender term sits at the short end of the FIA market, so a buyer who does not want a full ten-year commitment can still access an indexed-growth chassis here.
  • Crediting menu offers a one-year and a two-year option on the same underlying index, so a buyer can choose between annual reset flexibility and a longer crediting term that typically pays a higher participation rate.
  • Ten-percent annual free-withdrawal allowance is offered alongside the surrender ladder, and the contract includes nursing-home and terminal-illness surrender-charge waivers for medical events.
  • Fixed-account option is available alongside the indexed strategies for a buyer who wants to dial down indexed exposure in a given contract year without leaving the product.

What to confirm

  • This contract is not a guaranteed-lifetime-income product. There is no optional GLWB rider on this filing and no Protected Income Value chassis — the contract is built for indexed accumulation only, and its payout side should not be compared to a rider-led income FIA.
  • The indexed crediting menu is built entirely on participation rates against proprietary volatility-controlled benchmarks (Barclays US Tech 12%, Barclays Zorya 5%, and the S&P 500 Dynamic Intraday TCA ER index — not the spot S&P 500). Participation rates on these strategies are not directly comparable to an uncontrolled S&P 500 cap or participation rate; evaluate each strategy on its own terms.
  • There is no annual point-to-point cap on a recognizable benchmark on this filing, which is why the page shows no headline cap. A buyer who wants a simple cap-on-S&P comparable should look at a different FIA chassis.
  • Filing is restricted to roughly 30 jurisdictions — New York and a number of other states (including California, Oregon, Washington, the Plains and most of New England) are not on the availability list. Confirm your state is in scope before evaluating further. Renewal-rate risk also applies: the minimum guaranteed participation floor is much lower than current participation rates, so participation can reset toward that floor over the surrender term and the buyer carries that risk.

Not ideal for

Buyers who want an annual point-to-point cap on the spot S&P 500 as the headline, who need a contractually guaranteed GLWB rider, who want a premium bonus or a death-benefit roll-up, or who live in New York or any other state not on the carrier's restricted filing list. The minimum participation floor is also materially below current rates, so buyers who can't tolerate renewal-rate compression toward that floor should evaluate a different chassis.

All crediting strategies

View rate listings (14 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.

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 110% · 1-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 55% · 1-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 130% · 2-yr

Barclays Zorya 5% Index

participation

10-yr surrender

Par: 70% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 65% · 2-yr

Barclays US Tech 12% Index

participation

10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

Par: 110% · 1-yr

Barclays Zorya 5% Index

Par: 55% · 1-yr

Barclays US Tech 12% Index

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Par: 130% · 2-yr

Barclays Zorya 5% Index

Par: 70% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Par: 65% · 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

2

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): 1.00%

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

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

GCU_Aquila X_Brochure copy.pdf

Confidence: highReviewed Apr 19, 2026

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

product guide

Aquila-FIA-Application-Kit–All-Other-States.pdf

Confidence: highReviewed Apr 19, 2026

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

rate sheet

Aquila-V-and-X-Rates.pdf

Confidence: highReviewed Apr 19, 2026

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

product guide

Aquila-FIA-Application-Kit-GA-or-MO.pdf

Confidence: highReviewed Apr 11, 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

Aquila X currently shows 7 distinct indexed or fixed crediting choices across 14 current rate listings, including S&P 500 Dynamic Intraday TCA Index (USD) ER and Fixed Account, with 4 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.

  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 50% participation
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 70% participation
  • Fixed Account: 4.25% 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
  • 5 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 GCU_Aquila X_Brochure copy.pdf and Aquila-FIA-Application-Kit–All-Other-States.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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