Historical Performance
WealthChoice Index Crediting Strategies
S&P 500® Dynamic Intraday TCA Index
Historical Crediting Examples
These examples are intended for context only and show how different crediting rates may have performed using historical index data. Current 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 Index Point-to-Point Cap | 8.00% | 6.15% | 5.34% | 6.04% | 5.72% | 6.94% | 4.84% | |
| 10.00% | 7.53% | 6.51% | 7.41% | 6.89% | 8.25% | 4.84% | ||
| 12.00% | 8.76% | 7.53% | 8.64% | 8.05% | 9.56% | 4.84% | ||
| 14.00% | 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.
Barclays Global Quality Index
Historical Crediting Examples
These examples are intended for context only and show how different crediting rates may have performed using historical index data. Current 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 | |
| Barclays Global Quality Index Point-to-Point Participation Rate | 150% | 10.91% | 5.87% | 5.87% | 2.84% | 0.92% | 0.00% | |
| 165% | 11.98% | 6.44% | 6.44% | 3.12% | 1.02% | 0.00% | ||
| 175% | 12.69% | 6.81% | 6.81% | 3.30% | 1.08% | 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 Barclays Global Quality Index Works
- Managed by Barclays, this index uses quality stocks, global bonds, and commodities to seek returns while targeting a specific level of risk.
- Utilizing a Bond Switch Signal, Barclays determines whether to allocate exposure to Fixed Income in each region.
- Every business day, every possible combination of underlying components is evaluated to maximize long-term return potential.
- Barclays then runs a second optimization process to adjust based on short-term market trends using techniques from momentum investing.
- Finally, the exposure to the resulting portfolio is adjusted up or down in an attempt to maintain a 5% volatility control target.
To summarize, the Barclays Global Quality Index provides exposure to equities from the US, Europe and Japan while also aiming to stabilize exposure to risk.
Visit the official index site here for marketing materials and details about index methodology, performance details and more.
Disclosures
Neither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively, “Barclays”) is the issuer or producer of fixed index annuities and Barclays has no responsibilities, obligations or duties to policyholders in fixed index annuities. The Barclays Global Quality Index (the “Index”), together with any Barclays indices that are components of the Index is licensed for use by Guaranty Income Life Insurance Company (“GILICO”) as the issuer or producer of fixed index annuities (the “Issuer”). Barclays’ only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the “Index Sponsor”) without regard to the Issuer or the fixed index annuities or policyholders in the fixed index annuities. Additionally, GILICO as the Issuer may for itself execute transaction(s) with Barclays in or relating to the Index in connection with fixed index annuities. Policyholders acquire fixed index annuities from GILICO and policyholders neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon making a purchase in fixed index annuities. Fixed index annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the fixed index annuities or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, policyholders or to other third parties in respect of the use or accuracy of the Index or any data included therein.
S&P 500® Price Return Index
Historical Crediting Examples
These examples are intended for context only and show how different crediting rates may have performed using historical index data. Current 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 Point-to-Point 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 Point-to-Point 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 Monthly Sum Cap | 2.00% | 6.24% | 2.73% | 5.16% | 5.11% | 4.94% | 5.34% | |
| 2.25% | 7.17% | 3.23% | 6.14% | 6.33% | 6.47% | 6.76% | ||
| 2.50% | 7.98% | 3.66% | 7.00% | 7.37% | 7.81% | 7.77% | ||
| S&P 500® Index Performance Trigger | 5.25% | 4.18% | 4.18% | 4.18% | 4.18% | 5.25% | 5.25% | |
| 6.25% | 4.97% | 4.97% | 4.97% | 4.97% | 6.25% | 6.25% | ||
| 7.25% | 5.76% | 5.76% | 5.76% | 5.76% | 7.25% | 7.25% | ||
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.
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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