GBU Future Flex Fixed Indexed Annuity – Flexible Growth, Protected Principal
At Diversified Insurance Brokers, we guide you toward annuities that balance customization, growth, and security. The Future Flex Fixed Indexed Annuity from GBU Life Insurance Company, delivers all three. This FIA allows you to choose from various indexed strategies that suit your retirement horizon while guaranteeing your principal.
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Key Features of Future Flex:
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Multiple indexed crediting strategies (e.g. point-to-point, annual reset, monthly average) to align with your goals
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Flexibility in term lengths depending on your risk profile and timeline
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Principal protection—your account value never decreases due to negative index performance
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Tax-deferred growth drives compounding over time
Backed by GBU Life’s financial strength, this annuity is a strong choice for anyone wanting structured index participation without market risk. At Diversified Insurance Brokers, we compare options from over 75 top-rated carriers to ensure the right fit for your retirement strategy.
This product is ideal if you:
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Want flexibility in crediting and term options
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Prefer growth tied to index performance—but not at the cost of your principal
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Value straightforward design and clarity
Ready for flexible growth with solid risk protection? We can help.
Diversified Insurance Brokers works with over 75 leading carriers, including GBU Life. We’ll show how Future Flex compares with other FIAs and which features suit your retirement plan best.
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 Future Flex Annuity
What is the GBU Future Flex annuity?
The GBU Future Flex is a fixed indexed annuity that offers both safety of principal and the potential for index-linked growth. It’s designed for individuals looking for a balance of upside potential and downside protection over a multi-year horizon.
How does the annuity credit interest?
You can allocate premium between a fixed-interest account or one (or more) index-crediting strategies. When the selected index performs well, interest is credited according to caps, participation rates, or spreads. If the index performs poorly, your account value won’t drop — you simply receive no indexed credit for that period.
Is there a fixed interest option?
Yes. In addition to indexed strategies, Future Flex offers a fixed-interest allocation that earns a declared guaranteed rate over a specified term — providing a conservative, stable growth alternative within the same contract.
What liquidity or withdrawal features does Future Flex have?
After the first contract year, the annuity generally allows penalty-free withdrawals up to a stated percentage of the account value each year (often around 5–10%). Withdrawals beyond that during the surrender period may be subject to surrender charges or adjustments.
Does Future Flex offer optional income or benefit riders?
Yes. Depending on the version and state availability, optional riders may be offered, such as a lifetime income benefit or enhanced death benefit riders — usually for an additional fee.
Is my principal protected?
Yes. As a fixed indexed annuity, your original premium and any credited interest are protected from market downturns. Negative index performance will not reduce your contract value (unless withdrawals or rider fees apply).
What surrender charge period applies?
Future Flex typically has a multiyear surrender schedule. During this period, full surrender or excess withdrawals beyond the penalty-free allowance may incur surrender charges and, if applicable, a market-value adjustment (MVA).
Who is Future Flex best suited for?
This annuity is suited for individuals who want a conservative base of principal protection, but also want the opportunity for growth through indexed crediting — especially those planning for long-term retirement accumulation or a combination of growth and potential income.
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.
