United Life
An Iowa life insurer serving independent financial professionals since 1962 - part of the Kuvare insurance platform since 2018 - carrying an A- (Excellent) rating from AM Best and offering a deliberately focused annuity lineup centered on the Performance SPDA.
Financial strength
A-
AM Best
AM Best A- (Excellent)
United Life carries an A- (Excellent) Financial Strength Rating from AM Best - the fourth-highest of thirteen categories.
Source: AnnuityRatesHQ carrier research, June 2026; AM Best via United LifeFounded 1962
Founded in 1962 in Cedar Rapids, Iowa, and serving financial professionals and their clients for over six decades.
Source: AnnuityRatesHQ carrier research, June 2026; United LifeKuvare-backed
A subsidiary of Kuvare US Holdings since 2018 - the same retirement-focused platform behind sister carrier Guaranty Income Life (GILICO).
Source: AnnuityRatesHQ carrier research, June 2026; KuvareIndependent distribution
Distributes through independent financial professionals, marketing organizations, and financial institutions rather than a captive sales force.
Source: AnnuityRatesHQ carrier research, June 2026; United LifeFixed-annuity catalog
United Life currently publishes Performance and Access declared-rate annuities plus the WealthChoice fixed indexed family; ARHQ's feed observes only part of that catalog.
Source: United Life product materials for the official shelf; CANNEX Financial Exchanges via AdvisorWorld for ARHQ feed coverageRun live numbers on United Life products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Income FIAs
Selected product: WealthChoice 7
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore United Life products
Known United Life product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Current CANNEX rate preview for the selected scenario. State-specific products use a labeled supported state when the selected state is outside their filing.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
WealthChoice 5
The short-surrender WealthChoice accumulation FIA, led by a plain annual S&P 500 cap and no bonus or income rider.
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Current rate preview unavailable. Open the product page for current strategies.
WealthChoice 10 With Premium Bonus
The long-term bonus version of WealthChoice, built for accumulation with a vesting issue credit and an annual S&P 500 cap.
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This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
ARHQ currently observes Performance SPDA in its declared-rate lane. United Life's broader official catalog also includes Access SPDA and WealthChoice, so start by deciding which contract type fits the job.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Checking current product-specific income options…
Company overview
What United Life is
United Life Insurance Company, founded in 1962 and headquartered in Cedar Rapids, Iowa, is a stock life insurer focused on straightforward fixed annuity and permanent life insurance products for everyday Americans, sold through independent distribution.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; United Life
Since 2018, United Life has been a subsidiary of Kuvare US Holdings, the retirement-focused insurance platform that also owns Guaranty Income Life (GILICO). Kuvare provides capital and product-development resources while United Life remains the legal issuing carrier behind its guarantees.
Acquired 2018 · AnnuityRatesHQ carrier research, June 2026; Kuvare
United Life's official annuity catalog includes Performance and Access single-premium deferred annuities plus the WealthChoice fixed indexed family. ARHQ's observed feed is narrower, so current availability and terms must be confirmed product by product.
Verified August 10, 2026 · United Life product materials for the official shelf; CANNEX Financial Exchanges via AdvisorWorld for ARHQ feed coverage
Scale, labeled
Founded
1962
Founded in Cedar Rapids, Iowa; NAIC 69973.
Founded 1962 · AnnuityRatesHQ carrier research, June 2026; United Life
Owner
Kuvare
Subsidiary of Kuvare US Holdings since 2018; sister carrier to GILICO.
Acquired 2018 · AnnuityRatesHQ carrier research, June 2026; Kuvare
Availability
Form-specific
Company licensing and product materials do not support one reliable universal footprint; confirm the exact product, rider, and approved state form.
Checked 2026-07-16 · United Life corporate site
AM Best
A- (Excellent)
A- Financial Strength Rating from AM Best - fourth of thirteen categories.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best via United Life
History highlights
United Life Insurance Company was founded in 1962 in Cedar Rapids, Iowa, to complement United Fire Group's property-and-casualty business with life insurance and annuity products.
Founded 1962 · AnnuityRatesHQ carrier research, June 2026; United Fire Group
Over the following decades it grew into a multi-state life and annuity carrier distributed through roughly 1,500 independent life agencies at the time of its 2018 sale.
As of 2018 sale · AnnuityRatesHQ carrier research, June 2026; United Fire Group sale announcement
In 2018 United Life joined the Kuvare family of companies, expanding its reach in fixed and fixed indexed annuities alongside sister carrier GILICO while keeping its Cedar Rapids home office.
Acquired 2018 · AnnuityRatesHQ carrier research, June 2026; United Life
From United Fire Group to the Kuvare platform
United Life was founded in 1962 as the life insurance arm of United Fire Group, the Cedar Rapids property-and-casualty insurer, and operated for over five decades as its wholly owned life subsidiary.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; United Fire Group
In a deal announced in September 2017 and closed on March 30, 2018, United Fire Group sold United Life to Kuvare US Holdings for $280 million in cash. Policyholder guarantees remain the obligation of United Life as the legal issuing carrier.
Closed 2018-03-30 · AnnuityRatesHQ carrier research, June 2026; United Fire Group / Kuvare announcements
On the Kuvare platform, United Life sits alongside sister retail carrier Guaranty Income Life (GILICO) plus Kuvare's reinsurance and asset-management arms. Kuvare reports pro forma consolidated assets of more than $50 billion - a parent-platform figure, not United Life's standalone balance sheet.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; Kuvare / United Life
Financial strength
AM Best
A-
Excellent financial-strength rating - the fourth-highest of thirteen AM Best categories.
Checked 2026-07-16
AnnuityRatesHQ carrier research, June 2026; AM Best via United Life
What makes United Life different
Six decades of Midwest carrier continuity
Founded in 1962 and still headquartered in Cedar Rapids, United Life has served financial professionals and their clients for over sixty years - through its United Fire Group era and now under Kuvare.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; United Life
Kuvare platform, same issuing carrier
The 2018 Kuvare acquisition brought institutional capital and product-development resources - the same platform behind GILICO - while United Life remains the legal carrier standing behind its contracts.
Acquired 2018 · AnnuityRatesHQ carrier research, June 2026; Kuvare
Middle-market, independent-channel focus
United Life builds simple, straightforward annuity and permanent life products for everyday savers and distributes through independent financial professionals rather than a captive sales force.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; United Life
A focused fixed-annuity lineup
United Life publishes two declared-rate families—Performance with an MVA and Access without one—plus WealthChoice fixed indexed contracts. ARHQ's observed feed currently represents only part of that official shelf.
Verified August 10, 2026 · United Life product materials for the official shelf; CANNEX Financial Exchanges via AdvisorWorld for ARHQ feed coverage
About United Life
United Life Insurance Company, founded in 1962 and headquartered in Cedar Rapids, Iowa, spent its first five-plus decades as the life insurance subsidiary of United Fire Group before Kuvare US Holdings acquired it in 2018 for $280 million.
Closed 2018-03-30 · AnnuityRatesHQ carrier research, June 2026; United Fire Group / Kuvare announcements
United Life carries an A- (Excellent) rating from AM Best and offers fixed annuity and permanent life products through independent distribution. Product availability varies by state and form.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best via United Life
United Life's official annuity lineup includes Performance SPDA, Access SPDA, and the WealthChoice fixed indexed family. ARHQ's current product feed is narrower and should not be treated as a complete carrier catalog.
Verified August 10, 2026 · United Life product materials for the official shelf; CANNEX Financial Exchanges via AdvisorWorld for ARHQ feed coverage
Free Comparison Report
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Compare United Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- United Life corporate site - Who We Are (founded 1962, Cedar Rapids IA, Kuvare company, AM Best A-, 45-state licensing) — 2026-07-16
- Kuvare - completion of United Life acquisition from United Fire Group ($280M, closed 2018-03-30) — 2026-07-16
- Kuvare corporate site - retail carriers United Life and GILICO, platform structure — 2026-07-16
- AM Best rating action - A- (FSR) / a- (Long-Term ICR), stable outlooks, reaffirmed 2025-12-17 for Kuvare Retail Group; Kuvare financial-strength update (United Life-only ~$7.3B assets, $304M capital & surplus at 12/31/2025, distinct from combined Kuvare Retail totals) — Checked 2026-07-16
- Observed product catalog and changing terms: CANNEX Financial Exchanges via AdvisorWorld; official families: United Life product materials — Verified July 2026