The Guaranty Rate Lock (GRL) Annuity plans with Market Value Adjustment Provision are consumer-oriented Single Premium Deferred Annuities that are an attractive alternative to CDs and other taxable investments.

Guaranty Rate Lock offers several rate guarantee period ranges:

    • 3 through 10 year rate guarantee options available through age 90
    • 3 through 5 year rate guarantee options available through age 100

There are no front-end sales charges or annual fees, so 100% of your money works for you starting on Day 1!

The Guaranty Rate Lock (GRL) Annuity plans give you a multitude of flexible features to fit your personal needs.


You may withdraw up to 5% of the prior-year accumulated value (or Required Minimum Distribution amount) starting in year 2, subject to a $250 minimum. Excess withdrawals during the rate guarantee period may be subject to a surrender charge and a Market Value Adjustment. You should not purchase this annuity if you may need to surrender it during the rate guarantee period.


Guaranty Annuities, Louisiana annuities company

Payout option

You may elect to annuitize at any time with a wide range of options from which to choose.

Terminal Illness & Nursing Home Confinement Waiver of Charges

Surrender Charges and Market Value Adjustments are waived for a Full or Partial Surrender if qualifications are met. Issue age maximum is 75 to include Nursing Home waiver.

Death Benefits

The full account value will be paid to your designated beneficiary at the Owner’s death, without deduction of any charges or fees.

Approved States

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming