The WealthChoice Fixed Index Annuity

While building your retirement savings, you deserve choices that will not compromise the safety of your money. If you seek accumulation opportunities that will protect you from market downturns, WealthChoice can help you achieve your individual goals.

Most people desire a happy retirement without worrying about outliving their resources. Guaranty Income Life Insurance Company wants that for you, too. With WealthChoice, you can preserve your hard-earned wealth, ideally aligned to your own growth and allocation preferences.

As a Fixed Indexed Annuity, WealthChoice offers many financial perks:

» Diversified Savings Tool. You have competitive alternatives designed to perform well in different financial environments with a variety of interest rates.
» Tax-Deferred Compounding. The growth power of an annuity may increase significantly throughout the life of your contract.
» Protection from Declines. If indexes do decrease, your WealthChoice™ annuity will not be affected, because our guarantees will mitigate that risk.

WealthChoice FIA may be available for a 5, 7 or 10-year timeframe with the following allocation options:

• Fixed Account
• Point-to-Point Cap Indexed Account – S&P 500® Price Return (PR) Index
• Point-to-Point Participation Indexed Account – S&P 500® Price Return (PR) Index
• Monthly Sum Cap Indexed Account – S&P 500® Price Return (PR) Index

Note: Plans, riders, features and availability may vary by state. Visit with a licensed professional to learn more and see if a fixed index annuity may be a good fit with your financial goals.


Optional Guaranteed Living Benefit Rider (GLBR)

Available on WealthChoice 7 & 10 and could provide competitive lifetime income.

Optional Premium Bonus Rider

Available on WealthChoice™ 10 and provides a 5% premium bonus.



Required Minimum Distribution friendly
Free Partial Withdrawals– up to 10% of prior anniversary value each year
Return of Premium after the fifth contract year

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. 

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