GBU's Fixed Index Annuities
GBU’s FIA products enable clients to attain a superior rate of return while benefiting from downside protection. The introduction of flexible premium and single premium fixed index annuities further expands GBU Life’s well-respected annuity portfolio and offers additional modern annuity options that benefit our agents and members alike.
Innovative & User-Friendly
GBU Life’s new Fixed Index Annuities are simple, easy-to-understand products that stand apart from the competition. These products are designed to truly meet the needs of our distribution partners and members. Here is what makes GBU Life’s Fixed Index Annuity products innovative and unique:
- An unusually short, four-year surrender charge period that offers flexibility and pays renewal commissions every four years.
- Future Flex FIA (FPDA) provides your clients with flexibility to make additional contributions over time.
- Asset Guard FIA (SPDA) offers 4-year guarantees for both participation rates and the fixed interest rate option to ensure predictability.
- GBU’s FIA products do NOT have caps or margins that limit earning potential and introduce complexity.
- Optional booster fees allow your clients to increase their par rates, potentially leading to higher returns.
- Choose from three Barclays index options, including our proprietary Agility Shield Index, the Fortune 500 12% Index, and the US Tech 12% Index.
- Choose from 19 index strategies including annual and biennial options which
allow you to design effective investment strategies for your clients and take advantage of higher par rates on biennial strategies.
Scroll down to access a training video, marketing resources, and more!
Marketing Resources
All marketing collateral related to GBU's FIA products.
Asset Guard FIA
Future Flex FIA
Roth IRA Conversion
Videos
Links to Barclays Index Information
Roth IRA Conversion
GBU Life is now offering a new solution for clients looking to rollover funds into a Roth IRA! This program utilizes our Asset Guard Fixed Index Annuity and Future Flex Fixed Index Annuity to minimize the tax burden of rolling funds into a Roth account while offering expanded earning potential with downside protection. We’ve created an agent toolkit that includes client marketing materials and an agent guide outlining this new program's application and commission process.
Training
Here are resources to help you get started with GBU's FIA products.
FIA Rate Sheets
Click the links below to view GBU Life’s current participation and interest rates.
Asset Guard FIA
Future Flex FIA
Utilizing GBU's eApp
GBU’s Fixed Index Annuities application is exclusively available on our iPipline eApp. Due to the complexity of this product, our eApp will provide a smoother and faster application experience, which means commissions are paid faster as well.
If your agency utilizes LifePipe, please make sure GBU Life products are added to your account. With this change, GBU Life’s eApp will also support iPipeline’s process that sends your application to your BD or BGA for approval before it is submitted to GBU Life.
Never used our eApp before? No problem, click here to access our iPipeline resources. You can also reach out to our Sales Support team for assistance at sales@gbu.org or 800-765-4428, option 3, option 3.
Additional Forms