Each year on January 1 and July 1, Guaranty Income updates its Guaranteed Minimum Cash Surrender Value Rate (GMCSVR) and Fixed Interest Renewal Rates.

Below are the January 1, 2026, rates:

• Guaranty Rate Lock contracts issued January 1 through June 30, 2026, the Guaranteed Minimum Cash Surrender Value Rate of 2.65% applies to 87.5% of the premium.

For WealthChoice FIAs issued January 1 through June 30, 2026, the floor rates below apply through the life of the contract:

• Guaranteed Minimum Cash Surrender Value Rate of 2.65% applies to 87.5% of the premium.
• Fixed Interest Renewal Rate of 2.65 % applies to fixed rate funds.