Historical Performance Projections
Guaranty Growth Plus 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 Plus 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 | 10% | 7.53% | 6.51% | 7.41% | 6.89% | 8.25% | 4.84% | |
| 12% | 8.76% | 7.53% | 8.64% | 8.05% | 9.56% | 4.84% | ||
| 14% | 9.92% | 8.49% | 9.80% | 9.21% | 10.86% | 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 | 150% | 9.40% | 6.27% | 7.91% | 5.10% | 8.49% | 15.22% | |
| 175% | 10.92% | 7.27% | 9.18% | 5.92% | 9.89% | 17.76% | ||
| 200% | 12.43% | 8.26% | 10.45% | 6.74% | 11.28% | 20.30% | ||
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.
UBS MASTR 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 | |
| UBS MASTR Index Participation | 125% | 12.60% | 8.00% | 8.00% | 3.75% | 2.14% | 0.00% | |
| 150% | 15.05% | 9.54% | 9.54% | 4.47% | 2.56% | 0.00% | ||
| 175% | 17.49% | 11.07% | 11.07% | 5.19% | 2.99% | 0.00% | ||
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 UBS MASTR Index Works
- This Index is designed to provide diversified, systematic global exposure to equities, bonds and commodities.
- Each asset class features its own unique investment mechanism with an alternative data-driven growth momentum signal.
- Equities use an intraday rebalancing methodology seeking to quickly react to changes in equity markets with a 6% volatility target.
- Bonds use a dynamic weighting mechanism which is design to adapt to various rate environments.
In simple terms:
The UBS MASTR’s exposure to US, European and Japanese equity, bond, and commodity markets provides diversification through its composition of growth, defensive, and diversifying assets.
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
UBS AG and its affiliates (“UBS”) do not sponsor, endorse, sell, or promote Guaranty Guidepath (the “product”). A decision to purchase the product should not be made in reliance on any of the statements set forth in this document. Prospective investors are advised to purchase the product only after carefully considering the risks associated with purchasing the product, as detailed in any product information that is prepared by or on behalf of Guaranty Income Life Insurance Company (“licensee”), the issuer of the product. UBS has licensed certain UBS marks and other data to licensee for use in connection with the product and the branding of the product, but UBS is not involved in the calculation of the product, the construction of the product’s methodology or the creation of the product, nor is UBS involved in the sale or offering of the product, and UBS does not make any representations or warranties with respect to the product.
S&P 500® Total Return and Price Return Indexes
Comparative Index Crediting Examples
The table below illustrates the historical performance of several 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® Total Return Index Cap | 8.50% | 6.89% | 6.12% | 6.74% | 6.74% | 8.50% | 8.50% | |
| S&P 500® Total Return Index Par | 45% | 7.76% | 5.55% | 8.13% | 8.75% | 10.44% | 8.05% | |
| S&P 500® Total Return Index Monthly Sum Cap | 2% | 6.92% | 3.16% | 5.75% | 5.64% | 5.62% | 6.03% | |
| S&P 500® Price Return Index Cap | 9.50% | 7.53% | 6.14% | 7.53% | 7.53% | 9.50% | 9.50% | |
| S&P 500® Price Return Index Par | 55% | 8.35% | 5.63% | 9.01% | 9.91% | 11.79% | 9.01% | |
| S&P 500® Price Return Index Monthly Sum Cap | 2.50% | 7.98% | 3.66% | 7.00% | 7.37% | 7.81% | 7.77% | |
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 and Total Return Indexes Work
- 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 the Price Return version of the S&P 500® index does not include dividends in the return.
- The value of the Total Return version of the S&P 500® index includes 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.