Best available rate
4.95%
7-yr guarantee · $100,000+ premium
Up to 4.95% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
46
Available jurisdictions
Rates as of August 26, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Select Choice Plus
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this S.USA Life Insurance Company, Inc. product.
Live product data
Rates as of August 26, 2026, from AdvisorWorld and CANNEX.
Seven-year guaranteed rate
4.95% guaranteed for 7 years
Current guaranteed terms are shown from live rate records. Surrender details are omitted because an exact contract schedule is not linked in the current data.
Best fit
Buyers comparing the currently published guarantee terms who will confirm the applicable surrender schedule before purchase.
Available guarantee terms
3, 4, 5, and 7 years
AM Best
A- Excellent
Free withdrawal
10%/yr
Availability
46 jurisdictions (restricted footprint)
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Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | $2,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| Most states · MVA · No liquidity rider | 3-Year | Not available | Jun 10, 2026 | 4.1%Rate convention not stated | 4.35%Rate convention not stated |
| Most states · MVA · No liquidity rider | 3-Year | Not available | Jun 10, 2026 | 4.25%Rate convention not stated | 4.5%Rate convention not stated |
| Most states · MVA · No liquidity rider | 4-Year | Not available | Jun 10, 2026 | 4.1%Rate convention not stated | 4.35%Rate convention not stated |
| Most states · MVA · No liquidity rider | 4-Year | Not available | Jun 10, 2026 | 4.25%Rate convention not stated | 4.5%Rate convention not stated |
| Most states · MVA · No liquidity rider | 5-Year | Not available | Jun 10, 2026 | 4.3%Rate convention not stated | 4.5%Rate convention not stated |
| Most states · MVA · No liquidity rider | 5-Year | Not available | Jun 10, 2026 | 4.6%Rate convention not stated | 4.8%Rate convention not stated |
| Most states · MVA · No liquidity rider | 7-Year | Not available | Jun 10, 2026 | 4.3%Rate convention not stated | 4.55%Rate convention not stated |
| Most states · MVA · No liquidity rider | 7-Year | Not available | Jun 10, 2026 | 4.7%Rate convention not stated | 4.95%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 3-Year | Not available | Jun 10, 2026 | 3.95%Rate convention not stated | 4.2%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 3-Year | Not available | Jun 10, 2026 | 4.1%Rate convention not stated | 4.35%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 4-Year | Not available | Jun 10, 2026 | 3.95%Rate convention not stated | 4.2%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 4-Year | Not available | Jun 10, 2026 | 4.1%Rate convention not stated | 4.35%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 5-Year | Not available | Jun 10, 2026 | 4.15%Rate convention not stated | 4.35%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 5-Year | Not available | Jun 10, 2026 | 4.45%Rate convention not stated | 4.65%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 7-Year | Not available | Jun 10, 2026 | 4.15%Rate convention not stated | 4.4%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 7-Year | Not available | Jun 10, 2026 | 4.55%Rate convention not stated | 4.8%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Carrier Ratings
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