GBU Defined Benefit Annuity – A Smarter Path to Guaranteed Retirement Income
At Diversified Insurance Brokers, we help clients cut through annuity confusion and find products that offer clarity, confidence, and true financial security. The GBU Defined Benefit Annuity, issued by GBU Insurance Company, is a standout for individuals who want a retirement solution that’s goal-driven and predictable.
Unlike traditional annuities that leave you guessing how much income you’ll have, this product works backward:
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You define your desired retirement income and target date, and the annuity tells you how to get there. A built-in digital tool helps you calculate how much to contribute—and automatically adjusts as needed to stay on track toward your guaranteed income goal.
This is a powerful fit for anyone who wants the certainty of a defined benefit plan—without relying on an employer to provide one. All funds are backed by GBU Life, a financially strong insurer with a 100+ year track record and consistent surplus ratios well above industry standards.
Beyond its intuitive planning tool, the Defined Benefit Annuity offers:
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A competitive fixed interest rate
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Guaranteed principal protection
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Full tax deferral on growth
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A contractually guaranteed income stream for retirement
At Diversified Insurance Brokers, we represent over 75 top-rated annuity carriers, but very few products offer this level of structure and simplicity. If you’re looking for a hands-off way to save for retirement while locking in a specific income outcome, the GBU Defined Benefit Annuity may be the perfect fit.
Want a retirement strategy you can actually count on? Let’s talk.
Diversified Insurance Brokers works with over 75 top-rated annuity carriers, including GBU Life. We’ll help you compare options and design a plan that guarantees your future income—on your terms.
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 Defined Benefit Annuity
What is the GBU Defined Benefit Annuity?
The GBU Defined Benefit Annuity is a fixed annuity designed to create predictable income in retirement. You exchange a lump sum or rollover for contract guarantees that can include steady growth and the option to elect a pension-style income stream.
Is the GBU Defined Benefit Annuity designed for growth, income, or both?
It is typically built for both accumulation and income. During the deferral period, your premium grows on a tax-deferred basis. Later, you can convert the contract into a defined benefit–style payout or use income options based on your retirement goals.
Who is a good fit for the GBU Defined Benefit Annuity?
This annuity may fit pre-retirees and retirees who want predictable income, principal protection, and a pension-like benefit they cannot outlive. It is often considered by people who do not have a traditional employer pension but still want guaranteed income.
Can I use IRA or 401(k) funds to purchase this annuity?
Yes, many people fund this contract with rollovers from IRAs, 401(k)s, 403(b)s, pensions, or other qualified accounts. A direct transfer or rollover helps preserve tax deferral. For more on this strategy, see how to transfer an IRA to an annuity.
How are interest rates and income amounts determined?
Interest crediting and payout factors are set in the contract and may vary by age, purchase date, and chosen benefit options. Once you elect an income option, the payment schedule is based on the terms in effect at that time and your selected payout structure.
Does the GBU Defined Benefit Annuity offer lifetime income options?
Yes, the contract typically offers payout options that can provide income for life, for joint lifetimes, or for a specified period. You choose how long income lasts, which affects the payment amount and whether beneficiaries may continue to receive payments.
What happens if I need access to my money before retirement?
The annuity generally includes a surrender schedule, but many contracts allow a percentage of the account value to be withdrawn each year without penalty, subject to contract limits. Larger withdrawals or early surrender may trigger charges during the surrender period.
Does the GBU Defined Benefit Annuity include any death benefit?
Most fixed annuities provide a death benefit to beneficiaries if the owner passes away during the accumulation phase. Once income is elected, death benefits depend on the payout option chosen, such as life only, period certain, or joint-life with continuation.
How does this annuity compare to other retirement income options?
The GBU Defined Benefit Annuity is typically compared with other fixed and income annuities, pensions, and systematic withdrawals from investment accounts. Many retirees use it to create a guaranteed income floor alongside Social Security and other assets. To see how it fits into a broader strategy, you can review what is the best retirement income annuity.
How can I evaluate whether the GBU Defined Benefit Annuity is right for me?
Start by clarifying your income gap in retirement, your risk tolerance, and liquidity needs. Then compare payout options, guarantees, and time horizon across several carriers. Many people use current annuity rate comparisons to see how this contract stacks up against alternatives before deciding.
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.
