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Multi-Year Guaranteed Annuity
Ultra-Secure Plus — United of Omaha Life Insurance Company
Guarantee terms
5 · 7 yrs
Free withdrawal
10% published tier; confirm timing and exceptions
Market value adj.
Applies
Minimum premium
$5,000
Availability
49 jurisdictions (48 states + DC)
Surrender schedule
7-year option published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Sep 24, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $10,000 comparison premium, alongside the full-term effective rate.
Published contract versions. The current source publishes Ultra-Secure Plus rates only for the $5,000–$49,999 premium band. The $10,000 reference scenario stays inside that published band; a $50,000+ rate is not inferred.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $10,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 5-yearSchedule not published | 5.15% | 5.15% | Flat throughout | $12,854+$2,854 interest | -0.40 ptsmedian 5.55% · n=69 |
| 7-year7-yr surrender scheduleHighest | 5.40% | 5.40% | Flat throughout | $14,451+$4,451 interest | Not available |
Rate figures use a $10,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 5.15% grows over 5 years
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 5.15% | +$515 | $10,515 |
| Year 2 | 5.15% | +$542 | $11,057 |
| Year 3 | 5.15% | +$569 | $11,626 |
| Year 4 | 5.15% | +$599 | $12,225 |
| Year 5 | 5.15% | +$630 | $12,854 |
| Compound-equivalent annual rate over the full term | 5.150% | ||
How the number is calculated
- Product
- Ultra-Secure Plus
- Schedule
- 5.15% for 5 years
- Crediting
- Compound interest
- Ending value
- $12,854
- Effective rate
- 5.150% per year
Equivalent: a flat MYGA paying 5.15% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- Financial-strength ratings from several agencies provide more than one view of the issuing carrier's claims-paying ability.
- The contract publishes an annual penalty-free withdrawal allowance alongside several event-based surrender-charge waivers.
- The public contract facts support qualified and non-qualified funding as well as several ownership structures.
- A return-of-premium option is published in the contract data, subject to the issued contract's terms.
What to confirm
- The current source publishes rates only for the $5,000–$49,999 premium band. A $50,000+ rate is not available in the public response, so obtain a state- and premium-qualified quote before comparing a larger deposit.
- The seven-year rate row links to the published seven-year surrender ladder; the five-year rate row does not publish a term-matched schedule link. Confirm the applicable surrender schedule for the selected term before purchase.
- A market value adjustment applies and can raise or lower surrender proceeds in addition to any surrender charge.
- The contract is not available in Montana or New York, and rate eligibility can still vary within the published footprint.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$5,000 minimum
$3,000,000 maximum
Issue ages
0–88 or 0–89 (annuitant and owner; applicability by range not published)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Applies
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Certain period · Joint life · Single life
Maximum annuitization age: 95 years
Fees and charges
None published
Contract versions
1
Most states · MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Oct 9, 2026.
State availability
49 jurisdictions (excl. Montana, New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.
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