Guaranty Income Life updates its Guaranteed Minimum Cash Surrender Value Rate and Fixed Interest Renewal Rates each year on January 1 and July 1. Below are the rates effective July 1, 2025: 

WealthChoice and Guaranty Growth Plus  

For Fixed Indexed Annuities issued July 1 through Dec. 31, 2025, the floor rates below apply through the life of the contract: 

• Guaranteed Minimum Cash Surrender Value Rate of 2.95% applies to 87.5% of the premium.
• Fixed Interest Renewal Rate of 2.95% applies to fixed rate funds.

Guaranty Growth Builder 

For Growth Builder contracts issued July 1 through Dec. 31, 2025, the Guaranteed Minimum Cash Surrender Value Rate of 2.95% applies to 87.5% of the premium. This applies through the life of the contract. 

Guaranty Rate Lock and Guaranty Rate Lock fee-based 

For Guaranty Rate Lock contracts issued July 1 through Dec. 31, 2025, the Guaranteed Minimum Cash Surrender Value Rate of 2.95% applies to 87.5% of the premium. This applies through the life of the contract.