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Fixed Indexed Annuity

WealthChoice 10 with Premium Bonus

Guaranty Income Life

6.5%

Best Cap

10%

Free W/D

47

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.

S&P 500 annual point-to-point cap

6.5% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want an up-front premium-bonus credit on deposited principal, accept a lower headline cap on the S&P 500 annual point-to-point strategy as the contractual price of that bonus, and want indexed-crediting upside with downside-protected principal across a long ten-year FIA horizon.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

47 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

2% cap rate

S&P 500

S&P 500 Index

6.5% cap rate

S&P 500

S&P 500 Index

100% participation rate + 5.3% declared rate

S&P 500

S&P 500 Index

25% participation rate

Fixed Account

Fixed Account

5% declared rate

+ 3 volatility-controlled index options (Horizon Ascend, Barclays Global, S&P 500)

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus — the live feed publishes a bonus feature on this filing, applied per the contract's bonus terms (which can vary by state, premium band, and rider election). That up-front credit on deposited premium is the structural reason a buyer chooses this filing over the no-bonus sibling.
  • The S&P 500 annual point-to-point strategy ships with a bailout-cap feature — if the carrier ever renews the cap below the contractual bailout level, the holder can surrender that strategy without paying the standard surrender charge. That is an unusually buyer-friendly renewal-protection mechanic for an FIA strategy.
  • Ten-year surrender schedule that matches the product name — the longest commitment in the WealthChoice family, the standard window an FIA needs to amortize the cost of a meaningful premium-bonus credit.
  • Annual free-withdrawal allowance plus a full set of three contractual waivers — nursing-home, terminal-illness, and RMD — published on the live feed rather than gated behind a sales brochure, so a buyer who needs unplanned partial access in a qualifying scenario has a clear contractual path.

What to confirm

  • This is an accumulation-only filing — the live feed publishes no optional guaranteed-lifetime-withdrawal rider and no built-in Protected Income Value, so a buyer looking for contractual lifetime income from this contract will not find it on this filing. WealthChoice is sold as an accumulation product, not an income product.
  • The premium bonus is paid for inside the contract — the headline cap on the S&P 500 annual point-to-point strategy prints meaningfully lower than the no-bonus sibling on the live feed, and that lower cap continues for the life of the contract. A buyer should weigh the one-time bonus credit against the lifetime drag on indexed crediting before choosing this variant.
  • Surrender schedule runs a full ten years and starts at a double-digit charge in year one before stepping down — an unplanned exit beyond the annual free-withdrawal allowance in the early years carries a substantial cost, and bonus FIAs typically include vesting / bonus-recapture mechanics on early surrender (the contract documents should be reviewed for the exact rules on this filing).
  • Carrier financial-strength coverage on the live feed is single-source — A.M. Best only — rather than the multi-agency view some larger competitors publish, so the rating read should be weighed for what it is before locking principal for the ten-year surrender period.

Not ideal for

Buyers who want contractual lifetime income (no optional GLWB rider and no Protected Income Value on this filing), would rather get a higher headline cap than an up-front bonus (the sibling 'No Bonus' WealthChoice 10 is the right one), short-window liquidity, or a multi-source financial-strength view from the carrier.

All crediting strategies

View rate listings (16 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: 1000% · 1-yr

Horizon Ascend 5% Index

participation

10-yr surrender

Par: 125% · 1-yr

Barclays Global Quality 5% Index

participation

10-yr surrender

Par: 100% + Fixed: 5.3% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 25% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 6.5% · 1-yr

S&P 500 Index

Cap with Bailout · cap

10-yr surrender

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 2% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Cap: 8% · 10-yr

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

cap

10-yr surrender

Par: 1000% · 1-yr

Horizon Ascend 5% Index

Par: 125% · 1-yr

Barclays Global Quality 5% Index

Par: 100% + Fixed: 5.3% · 1-yr

S&P 500 Index

Par: 25% · 1-yr

S&P 500 Index

Cap: 6.5% · 1-yr

S&P 500 Index

Cap with Bailout

Fixed: 5% · 1-yr

Fixed Account

Cap: 2% · 1-yr

S&P 500 Index

Cap: 8% · 10-yr

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

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

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Premium bonus

10%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Accumulation Value Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.10%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.95%

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

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

WC-30 GI Consumer Guide-3.pdf

Confidence: highReviewed Apr 8, 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

WealthChoice 10 with Premium Bonus currently shows 8 distinct indexed or fixed crediting choices across 16 current rate listings, including S&P 500 Index, with 2 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 Index: 2% cap
  • S&P 500 Index: 6.5% cap
  • S&P 500 Index: 100% participation

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
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as WC-30 GI Consumer Guide-3.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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