A Strategic Plan For Care Costs
Built for Growth. Enhanced with Access.
Guaranty Growth Builder® FIA
Terms: 5-, 7-, 10 and 14-Year Options
Help your clients grow their assets while preparing for future care costs—without the complexity or expense of traditional LTC insurance.
Help grow client nest eggs with strong rates and competitive bonuses. Plus, gain flexibility and liquidity for life’s unexpected events through a powerful Enhanced Access Rider with ADL benefit* that includes home care.
Your organization may not offer all products shown.
Contact your IMO or the Guaranty Income Sales Desk at 800-535-8110 for product availability.
How to Get Started
The first step is to get appointed.
Simply reach out to your IMO to initiate the appointment process. If you have any pre-sales questions or need assistance, our Sales Desk is here to help—call us at 800-535-8110.
Indices and Crediting Strategies
Enhanced Access Rider (EAR)
With Unique Liquidity and ADL Benefits for Care Needs
Help your clients manage potential care needs—whether at home or in a facility—while maximizing their financial security.
Key Features
- Ultra-Competitive Bonus
Get an additional boost to the accumulation value when Enhanced Access Rider is added
- ADL Benefit
Earn additional bonus interest (3-10%) for up to 6 years if the annuitant cannot perform 2 of 6 Activities of Daily Living (ADLs). This benefit begins after the third contract year.
Flexible Access When It Matters Most
Care Cost Flexibility
Clients can withdraw bonus interest for care expenses or keep it in the contract for enhanced earning potential.
Surrender-Charge-Free Access
Full contract value is available without surrender charges if the annuitant cannot perform 2 of 6 ADLs.
Carry-Forward Options
Unused annual withdrawal amounts roll over, allowing up to 30% to be carried forward.
More Ways to Boost Earning Potential
- Diverse Index Options
Clients can achieve their financial goals with a selection of index strategies, including the Citi Risk Balanced 5% Index option designed to eliminate overnight risk by making notional allocation changes in real time during the day.
Additional choices, such as the S&P MARC 5% and the S&P 500 with competitive cap and par rates, offer diversified growth opportunities to suit varying market conditions and client objectives.
- Buy-Up Options
For even greater growth potential, higher cap and participation rates are available for an additional cost, ensuring competitive accumulation opportunities tailored to clients’ needs.
Additional Resources
Access additional resources designed to support your client conversations and annuity sales strategy.
Annuity Calculators
Compare the benefits of tax-deferred annuities versus taxable accounts, explore how tax advantages can boost savings, and estimate how long retirement income will last.
While these tools provide valuable insights, partnering with your clients to tailor these results to their unique needs, and build a strategy that ensures their savings will last for as long as they do, is critical. Pair these calculators with your personalized guidance to help secure clients’ financial futures.
Take the Next Step
Reach out to your IMO or the Guaranty Income Life sales team at 800-535-8110 to discuss integrating this limited-distribution fixed indexed annuity into your clients’ financial strategies.
FOOTNOTES
* ADL benefits not available in CA.