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GBU Life Asset Guard Select 3

3-Year multi-year guaranteed annuity · A.M. Best A-

Guaranteed Rate
4.95%
Annual · 3-year term
Guaranteed Rate
4.95%
Annual, fixed for term
Locked For
3 years
Surrender period
$100,000 grows to
$115,597
+$15,597 over 3 years

Product Details

Insurance Company GBU Life
A.M. Best Rating A- Excellent · 4th highest of 13
Guaranteed Rate 4.95%
Term Length 3 years
Free Withdrawal · Year 1 10%
Free Withdrawal · Years 2+ 10%
Interest Withdrawals Yes
Min Premium · Non-Qualified $25,000
Min Premium · Qualified (IRA) $25,000
Maximum Premium $99,999
Max Issue Age · Non-Qualified 95
Max Issue Age · Qualified 95
Carrier Profile View carrier review →

State Availability

Available in:48 states
Not available in:CA, GU, NY, OR, PR, VI
View all available states
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At 4.95% for 3 years, $100,000 grows to $115,597.20 (+$15,597.20 in interest)

Year-by-Year Projected Balance

Assumes the contract is held to maturity and interest compounds annually at the locked rate. No withdrawals.

YearStarting BalanceInterest CreditedEnding Balance
Year 1 $100,000.00 +$4,950.00 $104,950.00
Year 2 $104,950.00 +$5,195.03 $110,145.03
Year 3 $110,145.03 +$5,452.18 $115,597.20

The Purchase Process

1Compare & SelectChoose your term and rate.
2Online Pre-AppQuick 5-minute digital form.
3Advisor ReviewA quick call to verify details.
4Direct FundingE-sign and transfer funds.

Application Checklist

Have these items ready to complete your application in one sitting.

Personal IdentificationSocial Security Number and a valid Driver's License or ID.
Beneficiary InfoLegal names, dates of birth, and SSNs for your beneficiaries.
Funding DetailsBank account/routing numbers or statements for 1035 exchanges.
Suitability InfoBasic understanding of your liquid assets and net worth.

About GBU Life

Read our full GBU Life review for a detailed look at the company's history, product lineup, and financial strength.

GBU Life carries an A.M. Best rating of A-, an indicator of the company's financial strength and ability to meet its insurance obligations. When you purchase an annuity, your guarantees are backed by the issuing insurance company's claims-paying ability, so carrier strength matters.

What Our Clients Say

4.9
★★★★★
42 verified client reviews
Sourced from BBB · verify on BBB
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★★★★★ BBB
Carl B.

I appreciated Ms. Caudill's speedy service and her honesty. I rate My Annuity Store 5 out of 5.

★★★★★ BBB
E. Clark

Kiara has helped me so much.....knowledgable, patient, and kind. Always follows up with me and is a true professional.

★★★★★ BBB
Joseph B.

Very professional and efficient service. My interactions and follow through with My Annuity Store will lead me to consider further Annuity purchases with them.

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Ready to lock in 4.95%?

Apply online in about 10 minutes, or talk to a licensed agent first.

Prefer to talk on your schedule? Schedule a call →

New to MYGAs? Read the MYGA guide, our tax overview, or how surrender charges work.
Read our independent GBU Life carrier review →

Live rate feed Last updated June 9, 2026. Rates refresh every 6 hours via the AnnuityRateWatch API. Subject to change without notice.

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