GBU’s New Fixed Index Annuity

January 12, 2024

GBU’s new Fixed Index Annuity will offer upside-earning potential with downside protection.

GBU’s new Fixed Index Annuity (FIA) products are set to launch in February and will allow our members yet another way to safely grow funds for their retirement. These new annuities have many of the same features and benefits you are familiar with in our traditional annuities. The big difference between our current annuities and these new versions is how interest is credited to your account. The FIA allows you the potential to earn interest on your account based on the performance of a specific index or set of indices and the Participation (Par) Rate that you choose. GBU has partnered with Barclays to offer three index options for this product with strong and steady performance to help optimize growth.

FIA Product Features

Available as Future Flex FIA (flexible premium) and Asset Guard FIA (single premium).
Choice of asset allocation to a combination of Barclays Agility Shield Index, Barclays Fortune 500 12% Index, Barclays US Tech 12% Index and a fixed rate account with annual or biennial crediting (choose up to seven allocation options).
Enhanced Participation Rate Rider* (Booster Fee) available: increase your participation rate for a 1% or 3% fee.

Plus the product enhancing features found in all GBU annuities

10% liquidity available immediately, 20% liquidity available any contract year where no withdrawal was taken the prior contract year.
Surrender charges apply for withdrawals over the free withdrawal amount.
Living Benefits Riders*
Tax-deferred growth

You can start an FIA annuity for as little as $25,000. To find out more, visit gbu.org/FIA or talk with your agent or a representative at the GBU Home Office.

*Riders are optional and may have additional fees associated with them.

Interest rates are determined by date of receipt of deposit. Rates are subject to change without notice. Benefits may be taxable. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. GBU Life is the marketing name for GBU Financial Life (GBU), Pittsburgh, PA. GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract. Annuities are not short-term products and are issued by GBU. Withdrawals prior to 59½ may be subject to IRS penalties, separate from the annuity’s schedule of surrender charges. The maximum issue age is 95. The free look period is 10 days or 30 days for replacements unless noted herein. Withdrawals for amounts over those allowed during the guaranteed period are subject to surrender charges defined in the contract. The payout amount you will receive is based on your individual circumstances, the options you select at the time of application and your initial premium payment. Products and features

may not be available in all states.

This is a summary of the contract provisions. Please refer to the contract for details of surrender charge schedule, benefits and exclusions. NOT A DEPOSIT OF A BANK AND MAY LOSE VALUE—NOT BANK GUARANTEED. Contract Form Numbers: ICC23_FPDA_IA_CON_(01-23), FPDA_IA_CON_FL_(07-23), FPDA_IA_CON_(07-23), FPDA_IA_CON_(07-23)ND, ICC23_SPDA_IA_CON_(01-23), SPDA_IA_CON_FL_(07-23), SPDA_IA_CON_(07-23), SPDA_IA_CON_(07-23)ND.

Neither Barclays Bank PLC (‘BB PLC’) nor any of its affiliates (collectively ‘Barclays’) is the issuer of any annuity products referenced herein (‘Annuities’) and Barclays has no responsibilities, obligations or duties to policyholders in Annuities. The Barclays Fortune 500 12% Index, the Barclays US Tech Index and the Barclays Agility Shield Index (collectively, the ‘Indices’), together with any Barclays indices that are components of the Indices, are trademarks owned by Barclays or are licensed to use by Barclays and, together with any component indices and index data, are licensed for use by GBU Financial as the issuer or producer of Annuities (the ‘Issuer’).

Barclays’ only relationship with the Issuer in respect of the Indices is the licensing of the Indices, which are administered, compiled and published by BB PLC in its role as the index sponsor (the ‘Index Sponsor’) without regard to the Issuer or the Annuities or policyholders in the Annuities. Additionally, the Issuer may for itself execute transaction(s) with Barclays in or relating to the Indices in connection with Annuities. Policyholders acquire Annuities from the Issuer and policyholders neither acquire any interest in the Indices nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Annuities. The Annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Annuities or use of the Indices or any data included therein. Barclays shall not be liable in any way to the Issuer, policyholders or to other third parties in respect of the use or accuracy of the Indices or any data included therein.

< Older Post

Newer Post >

Estate Planning Made Simple with Law Assure

June 30, 2025

When it comes to planning for the future, there are few things more meaningful than knowing your legacy will make a lasting impact. At GBU, we’re proud to offer members the tools and resources needed to protect what matters most while also providing meaningful ways to give back.

Growing Impact: GBU Foundation Giving Update

June 26, 2025

Since December 2024, donors have contributed an impressive $1,443,000 to the GBU Foundation, establishing new scholarship, educational grant and donor-advised charitable funds. These gifts help to shape a brighter future for students, communities and charitable causes across the country.

Leave a Legacy with Life Insurance and Annuities

June 26, 2025

Legacy giving, also known as planned giving, is a meaningful way to leave behind an impact on the causes and organizations you care about. By incorporating life insurance and annuities into your estate planning, you can maximize the benefits of your legacy gifts, ensuring they are both impactful and tax efficient.

Spring into Excellence for 2025

By Lesley Mann • May 29, 2025

As we move into the second quarter of another exciting year, I want to take a moment to reflect on our accomplishments and share some of the new initiatives we are implementing in the realms of sales, marketing and community engagement. Over the past year, GBU Life has reached significant milestones thanks to the dedication and hard work of our team and the trust and support of our members. Our sales department has exceeded targets, and we have expanded our reach to more communities than ever before. We have launched several successful marketing campaigns that have not only increased our visibility but have also strengthened our brand's presence in the industry. For this year, our focus will be educating potential new members on the importance of securing their financial futures through life insurance and annuity products while serving their communities as part of our great Society. Looking ahead, we are committed to enhancing our sales strategies to better serve you. We are introducing some tools for our agents to enhance our products. One new tool is our Defined Benefit Annuity program which combines the Future Flex Fixed Index Annuity (FIA) with a software tool that can help determine retirement savings needs and break them down into contributions over time to help you meet your retirement goals. Be sure to keep in touch with your GBU agent to review your plans and products to see how adding an FIA to your retirement planning can help boost your savings efforts

Pawprints on My Heart Coloring Contest

May 15, 2025

GBU members between the ages of three and nine years old can enter their colored page in this year's contest, which is themed Pawprints on My Heart. Three age categories will be judged as follows: Category I: Ages three and four Category II: Ages five and six Category III: Ages seven, eight and nine Entrants may use crayons, colored pencils, markers or watercolor paints. Entries will be accepted through Monday, August 18, 2025, at 11:59 p.m. EST. The picture on the next page can be reproduced, or copies can be obtained by calling the Community Engagement Team at the GBU Home Office (800-765-4428) or by printing the image above. Cash Prizes for Each Category First prize: $75 Second prize: $50 Third prize: $30 How to Enter Send the three- to nine-year-old GBU member's coloring contest entry with their name and address on the colored page to: GBU Life ATTN: Member Benefits 4254 Saw Mill Run Boulevard Pittsburgh, PA 15227-3394. Or email contest@gbu.org with "Coloring Contest Entry” as the subject line. General Information Judges reserve the right to accept or reject any or all entries. Their decisions will be final. Artwork will be handled at the GBU Home Office with the utmost care. GBU reserves the right to reproduce entries for whatever use it wishes, provided proper credit is given. Permission does not include the sale of such work.