Ronald, 

As we rapidly approach the end of another year, we extend our gratitude for your continued business. With the holiday season in full swing, we want to ensure that you are well-prepared for the upcoming dates:

Cut-off date for year-end processing is December 19th for:

• New business requests with funds. Must be submitted in good order.  
• RMD requests: Must be received.  
• Claims: All completed forms must be received.

Please note our holiday closures:

• Wednesday, December 24th
• Thursday, December 25th
• Thursday, January 1st

Rates Effective January 1st, 2026

Each year on January 1st and July 1st, Guaranty Income updates its Guaranteed Minimum Cash Surrender Value Rate and Fixed Interest Renewal Rates. Below are the January 1st, 2026, rates:

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

For WealthChoice FIAs issued January 1st through June 30th, 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.

e-App Changes Coming Soon

When using Guaranty Income’s FireLight e-app platform—or your organization’s FireLight instance—you’ll soon notice a few updates when e-signatures are declined.

As depicted below, selecting ‘No’ for electronic signatures will trigger an updated, bolded statement beneath the question. In addition, a pop-up message will appear, prompting you to upload the necessary documents.

You will also see step-by-step instructions (shown below) on how to upload the required wet-signed forms, ensuring your application is 100% complete and ready for submission.

These enhancements will be live by year end.

Obtaining Your 1099 Form

With year-end fast approaching, that also means tax season is right around the corner. Take note of this information regarding your 1099 form for 2025:

• If commissions are paid directly to you, 1099s will be mailed from our Topeka administrative office.
• If you are an individual producer or agency that received a bonus in 2025, a separate 1099 for that bonus will be mailed from Guaranty's Baton Rouge office.
• If commissions are paid to your agency, no 1099s will be sent. If a year-end figure is needed, please refer to the final commission statement of 2025 in your agency instance of the MyKuvare portal. As shown below in the illustration, look for the Commission tab in the left column, then select the drop-down arrow to see Statements. From there, select the final statement for 2025.

State Replacement Forms

We have updated our state replacement form grid. The new grid is available here.

As you process new business, please use the updated grid to ensure you are selecting the correct documents; it is the quickest way to confirm you have the right replacement paperwork in place.

Annual Advertising Compliance Notice

To assure compliance with the NAIC Model Rule on Advertisements for Annuities, we are reminding you of Guaranty Income Life Insurance Company’s advertising procedure, which is part of your compliance manual.

Advertising created outside of Guaranty that mentions our products must be submitted to the Home Office for Marketing and Compliance approval prior to use. Ad review requests should be submitted as far in advance as possible. Using unapproved advertising could result in termination of your contract, fines by regulatory authorities, and possible loss of license.

2026 Annual Expense Table Notice to Agents

To comply with illustration regulations, we are required to disclose the method of expense allocation used in illustration testing.  This is to advise that for 2026, Guaranty Income Life Insurance Company is using the Generally Recognized Expense Table (GRET) as approved for this purpose by the NAIC.

We appreciate your attention to these details to ensure a smooth and successful end to the year.