What is the minimum guaranteed surrender value for Mutual of Ohama - Ultra Secure Plus?

This policy provides a fixed rate of return on a single premium investment, backed by United of Omaha. It includes a free-look period, withdrawal charge waivers for qualifying life events, and annual access to 10% of account value without penalties. Upon maturity of a 5- or 7-year guarantee period, policyholders can withdraw, renew, or annuitize. If no action is taken, the same term renews with then-current rates and withdrawal charges reinstated.

What is the minimum premium amount for Mutual of Ohama - Ultra Secure Plus?

The minimum premium amount is $5,000.

What is the maximum issue age for Mutual of Ohama - Ultra Secure Plus?

The maximum issue age is 89 years.

What is the current interest rate for Mutual of Ohama - Ultra Secure Plus?

The current interest rate is 4.35%.

What is the surrender charge schedule for Mutual of Ohama - Ultra Secure Plus?

Withdrawal charges apply during the guarantee period. For 5-year term: 6% for years 1–4, 5% in year 5. For 7-year term: 6% for years 1–4, 5% in year 5, 4% in year 6, 3% in year 7. After the period, there’s a 30-day window to withdraw, renew, or annuitize with no charges. If no action is taken, a new period of the same length begins, and withdrawal charges reset.

What are the best rates available for Mutual of Ohama - Ultra Secure Plus?

The best available rate is 4.55% for a 7 year term.

Mutual of Omaha

Mutual of Ohama - Ultra Secure Plus

About this product

Ultra-Secure® Plus is a single premium deferred annuity designed for individuals seeking a fixed interest investment with rate guarantees and flexible access features. It is issued by United of Omaha Life Insurance Company and offers competitive multi-year rate guarantees (5 or 7 years), tax-deferred growth, and various waivers for withdrawals due to specific life events. The product allows for a full return of premium at any time and offers flexibility at the end of each guarantee period.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

5 Years	4.50%
7 Years	4.55%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$5,000.00 - $49,999.00	4.35%
$50,000.00 - $1,000,000.00	4.5%

Features
Maximum Issue Age	89 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage