GBU Asset Guard Fixed Index Annuity – Growth Potential with Downside Protection
At Diversified Insurance Brokers, we prioritize annuities that combine safety, growth, and clarity—and the GBU Asset Guard FIA, issued by GBU Insurance Company, embodies exactly that. This fixed index annuity provides a balance of upside potential tied to market indexes, with the security of guaranteed principal protection.
The Asset Guard FIA offers access to multiple crediting strategies—such as annual point-to-point with caps or spreads—allowing flexibility based on your growth goals. Plus, all earnings are tax-deferred, giving your money more time to compound.
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Backed by the financial strength of GBU Life, this product includes defined protection features that safeguard your principal against market downturns. That makes it an excellent fit for conservative savers or income-focused pre‑retirees.
With access to over 75 top-rated carriers, Diversified Insurance Brokers can show you how Asset Guard stacks up against other FIAs—and help tailor the strategy that aligns best with your retirement plan.
Want expert insight on how Asset Guard FIA fits your goals? We can help.
Diversified Insurance Brokers partners with over 75 leading carriers, including GBU Life. We’ll help you compare strategies, crediting options, and how this product fits into your broader retirement plan.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: GBU Asset Guard Annuity
What is the GBU Asset Guard annuity?
The GBU Asset Guard annuity is a fixed indexed annuity that combines principal protection with indexed crediting strategies. It’s designed for long-term accumulation with growth potential linked to chosen market indices.
How does Asset Guard credit interest?
Interest is credited using index-linked strategies that measure performance over a specified period — such as point-to-point or averaging methods. Crediting formulas include caps, participation rates, or spreads based on contract terms.
Is there a fixed interest option?
Yes. In addition to indexed strategies, Asset Guard provides a fixed interest option that earns a declared, guaranteed rate for a defined term, helping support stability in your account value.
Does it offer liquidity or penalty-free withdrawals?
After the first contract year, the annuity generally allows annual penalty-free withdrawals up to a specified percentage of the account value. Withdrawals beyond that or early surrender during the surrender period may result in surrender charges or market value adjustments.
Is my principal protected from market downturns?
Yes. As a fixed indexed annuity, Asset Guard protects your original premium and previously credited interest from declines due to negative index performance. Market losses cannot reduce contract value, though fees or withdrawals can.
Are there optional riders?
Depending on availability and state, optional riders — such as guaranteed lifetime income or enhanced death benefit — may be offered for an additional cost to provide more tailored retirement solutions.
What is the surrender charge period?
The GBU Asset Guard annuity includes a multi-year surrender schedule. Surrender charges may apply if you take withdrawals above the penalty-free amount or fully surrender the contract during the schedule period, and in some cases a market value adjustment may apply.
Who is the Asset Guard annuity best suited for?
This annuity is typically suited for individuals seeking safe accumulation with indexed crediting potential and principal protection, especially those focused on long-term goals like retirement planning or income accumulation before annuitization.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
