GILICO
A Louisiana life insurer approaching its centennial - founded in 1926 and backed since 2016 by the Kuvare insurance platform - carrying an A- (Excellent) rating from AM Best across a focused shelf of fixed indexed and multi-year guaranteed annuities.
Financial strength
A-
AM Best
AM Best A- (Excellent)
Guaranty Income Life carries an A- (Excellent) Financial Strength Rating from AM Best - the fourth-highest of thirteen categories.
Founded 1926
Founded in 1926 in Baton Rouge, Louisiana; a stock life insurer marking its centennial in 2026.
Kuvare-backed
A wholly owned subsidiary of Kuvare US Holdings since 2016 - institutional capital and product-development resources behind a long-established carrier.
WealthChoice FIA line
GILICO's annuity lineup centers on the WealthChoice fixed indexed annuity family, with index strategies tied to modern volatility-controlled benchmarks.
Guaranty Rate Lock MYGA
A declared-rate multi-year guaranteed annuity rounds out the shelf for buyers who want a fixed, guaranteed term.
Run live numbers on GILICO products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Growth FIAs
Selected product: WealthChoice 5
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore GILICO products
Known GILICO product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
WealthChoice 5
A five-year fixed indexed annuity from Guaranty Income Life Insurance Company built around an S&P 500 annual point-to-point cap with a bailout-cap renewal protection, an annual free-withdrawal allowance, and three contractual surrender waivers.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
WealthChoice 7
A seven-year fixed indexed annuity from Guaranty Income Life Insurance Company built around an S&P 500 annual point-to-point cap with a bailout-cap renewal protection, an annual free-withdrawal allowance, and three contractual surrender waivers.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
WealthChoice 10 No Bonus
A ten-year fixed indexed annuity from Guaranty Income Life Insurance Company — the non-bonus variant of the ten-year WealthChoice chassis, built around an S&P 500 annual point-to-point cap with a bailout-cap renewal protection and three contractual surrender waivers.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
WealthChoice 10 With Premium Bonus
A ten-year fixed indexed annuity from Guaranty Income Life Insurance Company — the premium-bonus variant of the ten-year WealthChoice chassis, with an up-front bonus credit that is funded by a lower headline cap on the S&P 500 annual point-to-point strategy.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
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Company overview
What GILICO is
Guaranty Income Life Insurance Company (GILICO), founded in 1926 and headquartered in Baton Rouge, Louisiana, is a stock life insurer focused on retirement accumulation, principal protection, and lifetime income for middle-market savers.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
Since 2016, GILICO has been a wholly owned subsidiary of Kuvare US Holdings, a diversified insurance platform that provides capital and product-development resources while GILICO remains the legal issuing carrier behind its guarantees.
Acquired 2016 · AnnuityRatesHQ carrier research, June 2026
GILICO offers WealthChoice Fixed Indexed Annuities alongside Guaranty Rate Lock.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1926
Founded in Baton Rouge, Louisiana; NAIC 64238.
Founded 1926 · AnnuityRatesHQ carrier research, June 2026
Owner
Kuvare
Wholly owned subsidiary of Kuvare US Holdings since 2016.
Acquired 2016 · AnnuityRatesHQ carrier research, June 2026
Structure
Stock insurer
Stock life insurance company domiciled in Louisiana.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
AM Best
A- (Excellent)
A- Financial Strength Rating from AM Best.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
History highlights
Guaranty Income Life was founded in 1926 in Louisiana as a life insurance provider.
Founded 1926 · AnnuityRatesHQ carrier research, June 2026
Over the following decades it operated as a regional Louisiana life insurer, later adding fixed and then fixed indexed annuities.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
In 2016 GILICO was acquired by Kuvare US Holdings, expanding its FIA platform under institutional backing; the company marks its centennial in 2026.
Acquired 2016 · AnnuityRatesHQ carrier research, June 2026
A century-old carrier on the Kuvare platform
GILICO operated for decades as a traditional Louisiana life insurer before joining the Kuvare platform, which was founded in 2015 as a diversified insurance and reinsurance group.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
Kuvare US Holdings acquired GILICO in 2016, providing capital, technology, and product-development support. Policyholder guarantees remain the obligation of GILICO as the legal issuing carrier.
Acquired 2016 · AnnuityRatesHQ carrier research, June 2026
The result is a nearly 100-year-old regional insurer that modernized its annuity platform under institutional backing rather than reinventing itself.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A-
Excellent financial-strength rating - the fourth-highest of thirteen AM Best categories.
Checked 2026-06-30
What makes GILICO different
Nearly a century of operation
Founded in 1926, GILICO is one of the longer-established carriers in the annuity market, celebrating its centennial in 2026 - a long track record for a mid-sized regional insurer.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
Institutional backing, carrier continuity
Backed by Kuvare since 2016, GILICO modernized rather than reinvented - gaining capital and product resources while remaining the legal carrier standing behind its contracts.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
A middle-market retirement focus
GILICO targets everyday savers with guaranteed accumulation, principal protection, and lifetime income, rather than affluent or institutional buyers.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
The WealthChoice FIA chassis
The current annuity lineup centers on the WealthChoice fixed indexed annuities (5-, 7-, and 10-year, with and without a premium bonus), with recent crediting strategies tied to volatility-controlled benchmarks, plus the Guaranty Rate Lock MYGA - all shown with current values for each product.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About GILICO
Guaranty Income Life Insurance Company (GILICO), founded in 1926 and headquartered in Baton Rouge, Louisiana, is a stock life insurer marking its centennial in 2026. Since 2016 it has been a wholly owned subsidiary of Kuvare US Holdings.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
GILICO carries an A- (Excellent) rating from AM Best and focuses on protected retirement accumulation and income for middle-market savers through its WealthChoice fixed indexed annuities and Guaranty Rate Lock MYGA.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026; AM Best
GILICO centers on the WealthChoice FIA family, including multiple terms and bonus choices, with Guaranty Rate Lock covering fixed-rate needs.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get GILICO's current rate report
Compare GILICO's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- GILICO corporate site — 2026-06-30
- AnnuityRatesHQ carrier research - GILICO overview, founded 1926, Kuvare US Holdings ownership (2016), AM Best A- — Checked 2026-06-30
- Live product catalog (WealthChoice 5/7/10 FIAs, Guaranty Rate Lock MYGA), rates, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026