Historical Performance Projections
Guaranty Growth Builder Index Crediting Strategies
Guaranty Income offers interest crediting options tied to a range of compelling market indices. Below, you can explore historical performance projections for crediting strategies featured in the Guaranty Growth Builder FIA. These illustrations apply consistent assumptions to show how a given strategy may have performed over varying market periods—including best and worst 10-year environments and more recent shorter-term results—helping provide context for evaluating available options. Each index is also explained in simple terms.
S&P 500® Dynamic Intraday TCA Index
Comparative Index Crediting Examples
The table below illustrates the historical performance of a single crediting strategy across multiple crediting rate scenarios. It provides insight into how the strategy would have performed in different market environments, including best and worst 10‑year periods, as well as recent performance across shorter time horizons.
These examples are intended for context only. Current crediting rates and future results may vary.
Average Growth Rates Using a standardized 20-year year-end lookback period ending December 31, 2025 | ||||||||
|---|---|---|---|---|---|---|---|---|
| Crediting Strategy | Crediting Rate Examples | Best 10 Years | Worst 10 Years | Last 10 Years | Last 5 Years | Last 3 Years | Last Year | |
| S&P 500® Dynamic Intraday TCA Cap | 5% | 3.89% | 3.47% | 3.96% | 3.95% | 4.95% | 4.84% | |
| 8% | 6.15% | 5.34% | 6.04% | 5.72% | 6.94% | 4.84% | ||
| 10% | 7.53% | 6.51% | 7.41% | 6.89% | 8.25% | 4.84% | ||
View Current Crediting Rates
Review current caps, participation rates, and other available crediting strategies to compare available options with the historical examples shown above.
How the S&P 500 Dynamic Intraday TCA Index Works
- The index is linked to the S&P 500, while actively adjusting exposure throughout the day.
- It monitors market volatility and trading conditions in real time.
- When markets are calm, the index can keep more exposure to stocks.
- As markets become riskier, it automatically reduces exposure to help manage risk.
- These adjustments happen according to pre‑set, rules‑based formulas, not human judgment.
In simple terms:
This index actively manages risk by adjusting exposure—scaling up in stable markets and dialing back during periods of higher volatility.
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
The S&P 500® Dynamic Intraday TCA Index (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Guaranty Income Life Insurance Company. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Guaranty Income Life Insurance Company.
Guaranty Income Life Insurance Company’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates. None of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.
S&P Multi-Asset Risk Control (MARC) 5% Index
Comparative Index Crediting Examples
The table below illustrates the historical performance of a single crediting strategy across multiple crediting rate scenarios. It provides insight into how the strategy would have performed in different market environments, including best and worst 10‑year periods, as well as recent performance across shorter time horizons. These examples are intended for context only. Current crediting rates and future results may vary. Average Growth Rates Using a standardized 20-year year-end lookback period ending December 31, 2025 | ||||||||
|---|---|---|---|---|---|---|---|---|
| Crediting Strategy | Crediting Rate Examples | Best 10 Years | Worst 10 Years | Last 10 Years | Last 5 Years | Last 3 Years | Last Year | |
| S&P MARC 5%® Index Participation | 100% | 6.42% | 4.29% | 5.40% | 3.48% | 5.77% | 10.30% | |
| 125% | 7.98% | 5.33% | 6.71% | 4.33% | 7.19% | 12.88% | ||
| 150% | 9.54% | 6.36% | 8.02% | 5.17% | 8.62% | 15.45% | ||
View Current Crediting Rates
Review current caps, participation rates, and other available crediting strategies to compare available options with the historical examples shown above.
How the S&P MARC 5% Index Works
- This index seeks to provide multi-asset diversification within a simple risk weighting framework.
- The three underlying component indices provide exposure equities, commodities, and fixed income.
- The equity portion is linked to the S&P 500®, while the commodities component is linked to a Gold index and the fixed income is based on Treasuries.
- The strategy is rebalanced with a cash component daily to maintain a target volatility of 5%.
In simple terms:
The S&P MARC 5% was created in response to fluctuations in global markets and utilizes a multi-asset structure designed for consistency in both the client’s short- and long-term outlook.
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
The S&P MARC 5% Excess Return Index are products of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and have been licensed for use by Guaranty Income Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Guaranty Income Life Insurance Company’s insurance products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P MARC 5% Excess Return Index.
Citi Risk Balanced 5% Net Index
Comparative Index Crediting Examples
The table below illustrates the historical performance of a single crediting strategy across multiple crediting rate scenarios. It provides insight into how the strategy would have performed in different market environments, including best and worst 10‑year periods, as well as recent performance across shorter time horizons. These examples are intended for context only. Current crediting rates and future results may vary. Average Growth Rates Using a standardized 20-year year-end lookback period ending December 31, 2025 | ||||||||
|---|---|---|---|---|---|---|---|---|
| Crediting Strategy | Crediting Rate Examples | Best 10 Years | Worst 10 Years | Last 10 Years | Last 5 Years | Last 3 Years | Last Year | |
| Citi Risk Balanced 5% Net Index Participation | 95% | 5.47% | 3.95% | 4.73% | 2.94% | 4.95% | 9.58% | |
| 125% | 7.16% | 5.16% | 6.19% | 3.85% | 6.50% | 12.60% | ||
| 150% | 8.56% | 6.15% | 7.39% | 4.60% | 7.78% | 15.12% | ||
View Current Crediting Rates
Review current caps, participation rates, and other available crediting strategies to compare available options with the historical examples shown above.
How the Citi Risk Balanced 5% Index Works
- This index tracks the hypothetical performance of a rules-based investment methodology.
- The four components of the investment methodology are equities, commodities, Treasuries and cash.
- In volatile markets, the index allocates part of its exposure to the cash allocation through an intraday risk-control mechanism.
- The index is designed to maintain a 5% volatility target.
In simple terms:
The Citi Risk Balanced 5% Index provides an alternative to other volatility control strategies with underlying components managed by Citi designed to reflect industry benchmarks
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
Citi, Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates, are used and registered throughout the world, and are used under license for certain purposes by Guaranty Income Life Insurance Company or its affiliates (the “Licensee”). Citigroup Global Markets Limited (“Citigroup”) has licensed the Citi Risk Balanced 5% Net Index (the “Index”) to the Licensee for its sole benefit. Neither the Licensee nor the Guaranty Growth Builder® (the “Product”) is sponsored, endorsed, sold or promoted by Citigroup or any of its affiliates. Citigroup makes no representation or warranty, express or implied, to persons investing in the Product. Such persons should seek appropriate advice before making any investment. The Index has been designed and is compiled, calculated, maintained and sponsored by Citigroup without regard to Licensee, the Product or any investor in the Product. Citigroup is under no obligation to continue sponsoring or calculating the Index. CITIGROUP DOES NOT GUARANTEE THE ACCURACY OR PERFORMANCE OF THE INDEX, THE INDEX METHODOLOGY, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY CITIGROUP FOR USE IN CONNECTION WITH THE PRODUCT AND DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL DAMAGES EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. Please see https://investmentstrategies.citi.com/cis/us for additional important information about the Citi Risk Balanced 5% Net Index.
S&P 500® Price Return Index
Comparative Index Crediting Examples
The table below illustrates the historical performance of a two crediting strategies across multiple crediting rate scenarios. It provides insight into how the strategies would have performed in different market environments, including best and worst 10‑year periods, as well as recent performance across shorter time horizons.
These examples are intended for context only. Current crediting rates and future results may vary.
Average Growth Rates Using a standardized 20-year year-end lookback period ending December 31, 2025 | ||||||||
|---|---|---|---|---|---|---|---|---|
| Crediting Strategy | Crediting Rate Examples | Best 10 Years | Worst 10 Years | Last 10 Years | Last 5 Years | Last 3 Years | Last Year | |
| S&P 500® Index Cap | 6% | 4.77% | 4.09% | 4.77% | 4.77% | 6.00% | 6.00% | |
| 9% | 7.14% | 5.85% | 7.14% | 7.14% | 9.00% | 9.00% | ||
| S&P 500® Index Participation Rate | 25% | 3.83% | 2.59% | 4.13% | 4.54% | 5.36% | 4.10% | |
| 40% | 6.01% | 4.06% | 6.48% | 7.13% | 8.45% | 6.46% | ||
View Current Crediting Rates
Review current caps, participation rates, and other available crediting strategies to compare available options with the historical examples shown above.How the S&P 500 Price Return Index Works
- Widely regarded as the best single gauge of large-cap U.S. equities, this index is comprised of the 500 leading companies in the stock market.
- The index price is based on the performance of the stocks associated with the 500 companies that comprise the index.
- Every day, the index compares its opening price to its closing price. If the opening price is higher than the closing price, the index loses value. If the closing price is higher than the opening price, the index gains value.
- The value of this version of the S&P 500® index does not include dividends in the return.
In simple terms:
The S&P 500 remains one of the most well-known financial benchmarks. It has an easy-to-grasp structure, accessible performance tracking, and features iconic brands that many people know and utilize in their everyday lives.
See details about the past performance of this index here.
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
The S&P 500® Price Return Index and S&P 500® Dynamic Intraday TCA Index (the “Index”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Guaranty Income Life Insurance Company. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Guaranty Income Life Insurance Company. Guaranty Income Life Insurance Company’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates. None of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.
It is important to consult with a financial professional when diversifying across crediting strategies that could align with financial goals, risk tolerance levels, and time horizons.
All information for an index prior to its Launch Date is hypothetical back-tested, not actual performance, and based on the index methodology in effect on the Launch Date. Back-testing is a method of demonstrating how an index may have performed in the past based on how it has performed recently. It is used to produce hypothetical results for a specific period when results are otherwise unknown or not available. Back-tested performance reflects application of an index methodology and selection of index constituents with the benefit of hindsight and knowledge of factors that may have positively affected its performance, cannot account for all financial risk that may affect results and may be considered to reflect survivor/look ahead bias.
The calculations used assume static crediting rates and do not include a bonus or withdrawals. Non-guaranteed cap and par rates may change each contract year and may create better or worse performance than shown here. The range of crediting rates shown above may be different than current crediting rates. This flyer is updated on an annual basis. Refer to the Interest Rate Bulletin for current rates and to the Crediting Options Guide for more details about each index.
Fixed Indexed Annuities are not stock market investments and do not directly participate in any stock or equity investments. An annuity may not increase in value, depending on the interest crediting accounts you select.
Not FDIC/NCUA insured • Withdrawal charges may apply • Not bank/CU guaranteed • Not a deposit • Not insured by any federal agency • May go down in value
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