GBU Life Asset Guard Annuity – Fixed Growth with Liquidity and Flexible Withdrawal Features
At Diversified Insurance Brokers, we help individuals secure financial stability through fixed annuity solutions that provide guaranteed growth and tax-deferred accumulation. The GBU Life Asset Guard Multi-Year Guarantee Annuity (MYGA), issued by GBU Insurance Company, is ideal for those seeking predictable returns, flexible access to their funds, and multiple renewal options.
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Guaranteed Rates for Up to Five Years
The Asset Guard MYGA offers fixed interest rate guarantees for 2, 3, 4, or 5 years, allowing clients to select a term that aligns with their financial goals. At the time of publication of this article, the minimum premium is $25,000, with a maximum of $2,000,000 accepted without prior approval. This structure provides solid accumulation without the risks of market fluctuation.
Early Access with Flexible Withdrawals
This annuity stands out for its liquidity, offering penalty-free withdrawals of up to 10% of the contract value each year—starting in year one. Even better, if you don’t use the full 10% withdrawal, the unused portion can roll over to the next year, allowing for up to 20% withdrawal in a future year. That kind of flexibility is rare among MYGAs.
Waivers for Life’s Unexpected Challenges
If the policyholder faces nursing home confinement, critical illness, or terminal illness, additional withdrawal charge waivers are available, offering peace of mind and access to funds during difficult times.
Death Benefit and End-of-Term Options
Should the policyholder pass away, beneficiaries receive the full accumulation value—with no surrender charges. At the end of the term, policyholders can:
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Renew at a new guaranteed rate
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Withdraw funds without penalty
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Convert the annuity into a structured income stream
Why Clients Work with Diversified Insurance Brokers
We offer expert guidance to help you select the annuity that fits your unique goals. Whether you’re reallocating conservative savings or rolling over a retirement account, the Asset Guard MYGA offers a compelling blend of security, liquidity, and flexibility.
🎯 Interested in securing predictable growth with built-in access to your funds?
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 Life Asset Guard
What is GBU Life Asset Guard?
Asset Guard is a fixed indexed annuity designed to provide long-term accumulation with zero market downside. It pairs index-linked strategies with principal protection and optional liquidity features.
What types of index strategies does Asset Guard use?
The annuity typically offers several index crediting methods, including participation-rate, cap-based, and multi-year strategies. These allow contract owners to tailor growth potential to their risk preferences.
Does Asset Guard include a guaranteed fixed rate option?
Yes. A fixed-interest allocation is available and can be used alongside indexed strategies to balance steady growth with higher upside potential.
How does Asset Guard protect principal?
Your account value is protected from market losses. If an index performs negatively, your crediting rate for that period is simply zero, not negative.
Are penalty-free withdrawals included?
Most versions allow an annual penalty-free withdrawal up to a set percentage. Withdrawals exceeding that amount may trigger surrender charges during the contract’s early years.
Is Asset Guard available for IRA rollovers?
Yes. The product accepts rollovers and transfers from qualified accounts. The process is similar to steps shown in our direct rollover guide.
Does Asset Guard offer lifetime income options?
Some versions may offer optional income riders, but Asset Guard is typically positioned as an accumulation-forward annuity rather than an income-first solution.
Can I change my index allocations over time?
Most contracts allow you to adjust your allocation on each crediting anniversary, offering flexibility as market conditions shift.
Is there a market value adjustment (MVA)?
Some term structures include an MVA. This can increase or decrease values during early withdrawals depending on interest rate trends.
Who is GBU Life Asset Guard best suited for?
Asset Guard is ideal for savers seeking protected principal, tax-deferred growth, multiple indexing options, and modest liquidity during the accumulation phase.
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.
