Historical Performance Projections
Guidepath 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 Guidepath FIA series of products. 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% | 3.98% | 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% | ||
| 12% | 8.76% | 7.53% | 8.64% | 8.05% | 9.56% | 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.
Nasdaq-100 Chronos 10%™ 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 | |
| Nasdaq-100 Chronos™ Guaranteed Cap | 8% | 6.27% | 5.46% | 5.67% | 5.36% | 6.32% | 3.05% | |
| 10% | 7.63% | 6.61% | 6.75% | 6.34% | 7.33% | 3.05% | ||
| 12% | 8.80% | 7.57% | 7.72% | 7.11% | 7.98% | 3.05% | ||
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 Nasdaq-100 Chronos 10%™ Index Works
- This technology-focused index provides exposure to the Nasdaq-100™ while protecting from sharp downward trends through an intraday volatility control mechanism.
- This mechanism aims to more accurately target volatility by rebalancing up to 7x daily.
- By detecting downward trend signals and adjusting its exposure to the underlying index, the Index targets 10% volatility.
- In addition, a normalizing factor for each intraday window and an end-of-the-day adjustment factor designed to stabilize volatility in both the short- and long-term.
In simple terms:
The ‘New Economy’ methodology of the Nasdaq-100, the Chronos 10%™ is designed to provide immediate exposure to the vibrant technology sector with built-in protections for the client’s renewal experience.
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
Nasdaq®, Nasdaq-100 Chronos 10%™ Index, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Guaranty Income Life Insurance Company. Guaranty Guidepath (the “product”) has not been passed on by the Corporations as to its legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
Franklin SG Insights 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 | |
| Franklin SG Insights – High Water Mark Year Participation | 100% | 8.72% | 6.48% | 8.19% | 4.68% | n/a | n/a | |
| 125% | 10.52% | 7.88% | 9.84% | 5.73% | n/a | n/a | ||
| 150% | 12.20% | 9.20% | 11.38% | 6.74% | n/a | n/a | ||
| Franklin SG Insights - Participation | 100% | 10.48% | 7.16% | 8.86% | 5.35% | 4.47% | 0.00% | |
| 130% | 13.53% | 9.25% | 11.42% | 6.90% | 5.78% | 0.00% | ||
| 150% | 15.54% | 10.64% | 13.11% | 7.92% | 6.64% | 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 Franklin SG Insights Index Works
- Leveraging Franklin Templeton’s factor-based strategy, 100 stocks with strong long-term growth potential are chosen.
- The Index dynamically adjusts its market exposure based on prevailing conditions to target a 7% volatility level.
- This also includes taking tactical short positions in ETF funds linked to large-cap US equities.
- Finally, it may diversify with 10-year Treasures depending on the interest rate environment, aiming to limit drawdowns during periods of heightened market volatility.
In simple terms:
The Franklin SG Insights index stands on the three pillars of multi-factor investing, dynamic equity exposure, and thoughtful diversification, to employ a defensive approach that aims to provide a smoother experience than the benchmarks for large-capitalization U.S. equities.
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
The Franklin SG Insights Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (SGAS, together with its affiliates, “SG”). SG has contracted with Solactive AG (“Solactive”) to maintain and calculate the Index. “Société Générale”, “SG”, “SG Americas Securities, LLC”, “SGAS”, and “Franklin SG Insights Index” (collectively, the “SG Marks”) are trademarks or service marks of SG or have been licensed for use by SG from Franklin Advisers, Inc. and its affiliates (“Franklin”). SG has licensed use of the Guaranty Income Life Insurance Company (“GILICO”) and sub-licensed the use of certain Franklin marks (the “Franklin Marks”) for use in a fixed indexed annuity offered by GILICO (the “Fixed Indexed Annuity”). SG’s sole contractual relationship with GILICO is to license the Index and the SG Marks and sub-license the Franklin Marks to GILICO.
None of SG, Solactive, Franklin or other third party licensor (individually, an “Index Affiliate” and collectively, the “Index Affiliates”) to SG is acting, or has been authorized to act, as an agent of GILICO or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuity or provided investment advice to GILICO, and no Index Affiliate makes any representation whatsoever as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuity. No Index Affiliate shall have any liability with respect to the Fixed Indexed Annuity in which an interest crediting option is based on the Index and is not liable for any loss relating to the Fixed Indexed Annuity, whether arising directly or indirectly from the use of the Index, its methodology, any SG Mark, Franklin Mark or otherwise. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of GILICO. The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate GILICO or SG to invest annuity payments in the components of the Index.
In calculating the performance of the Index, SG deducts a maintenance fee of 0.50% per annum, calculated on a daily basis. This fee will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by SG may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls.
“Franklin,” “Franklin Templeton” and its proprietary investment models are trademarks and the intellectual property of Franklin and have been licensed for use by SG as a component of certain index linked products (each, a “Product” and collectively, the “Products”).
The Products are not sponsored, endorsed, sold, or promoted by Franklin. Franklin does not make any representation or warranty (express or implied) regarding the Product, the advisability of purchasing the Product, or the use of the Index or any data included therein. Franklin’s only relationship to SG is the licensing of certain trademarks and intellectual property or components thereof. Franklin did not have any obligation or liability in connection with the marketing, issuance, or administration of the Product.
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 | 100% | 10.12% | 6.44% | 6.44% | 3.01% | 1.71% | 0.00% | |
| 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% | ||
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® Price Return Index
Comparative Index Crediting Examples
The table below illustrates the historical performance of three 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% | ||
| 11% | 8.65% | 6.96% | 8.65% | 8.71% | 11.00% | 11.00% | ||
| S&P 500® Index Participation Rate | 25% | 3.83% | 2.59% | 4.13% | 4.54% | 5.36% | 4.10% | |
| 35% | 5.35% | 3.61% | 5.76% | 6.34% | 7.51% | 5.74% | ||
| 45% | 6.85% | 4.62% | 7.39% | 8.13% | 9.65% | 7.37% | ||
| S&P 500® Index Performance Trigger | 4% | 3.19% | 3.19% | 3.19% | 3.19% | 4.00% | 4.00% | |
| 5% | 3.98% | 3.98% | 3.98% | 3.98% | 5.00% | 5.00% | ||
| 6% | 4.77% | 4.77% | 4.77% | 4.77% | 6.00% | 6.00% | ||
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 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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