Fixed Indexed Annuity

Aquila X

GCU

10%

Free W/D

Available jurisdictions

Product data status: July 17, 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 Aquila X 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 17, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$147,770

Est. value at age 80 (Aquila X)

10%/yr

Free withdrawal allowance

Barclays US Tech 12% Index — 105% Participation (2-yr point-to-point)

✦

How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Aquila X's published participation rate (105% on Barclays US Tech 12% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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Live rate data

Run live numbers for Aquila X

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

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

A current headline metric is not available for this product. 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

10 years

Free withdrawal

10%/yr

Availability

30 jurisdictions (restricted footprint)

Featured crediting strategies

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

Index / strategyRate mechanicsCreditingSurrenderPremium

Fixed Account

4.25% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

+ 23 additional crediting options (Barclays US, Barclays Zorya, S&P 500...)

Lifetime Income Riders

Income rider

Income Pro

Annual rider fee0.5% annual rider fee

Income rider

Income Elevate

Income rider

Income Elevate Plus

Income rider

Income Elite

Annual rider fee0.95% annual rider fee

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 contract 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 contract, 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.

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All crediting strategies

View rate listings (25 strategies)

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

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

Barclays Zorya 5% Index

participation