United Life Insurance Company

Guaranteed Interest RateVaries by product and rate environment

Guaranteed rates, no fees, tax-deferred growth

No Front-End Charges$0

Tax DeferralDeferred until withdrawal

Surrender ChargesDeclining annually

Best for: Financially conservative investors age 65+ (especially) who prioritize guarantee...

Performance SPDA

Guaranteed Interest RateSee current Interest Rate Bulletin

Guaranteed Growth with Tax Deferral

No Front-End Charges0% front-end cost

Tax DeferralDefer taxes until withdrawal

Minimum Premium Tiers$25,000–$99,999 or $100,000+

Best for: Financially conservative investors age 65+ who prioritize guaranteed, competitiv...

Ultra Advantage

Index Interest Crediting Strategies0% minimum guarantee on index strategies; 0.05% on fixed account

Index-Linked Growth with Downside Protection

Free Withdrawal AccessUp to 25% maximum lifetime penalty-free access

Flexible Term Selection3, 4, 5, 7, or 10-year terms available

Return of Premium RiderNo fee for this rider

Best for: Retirees and near-retirees who want their accumulated assets to grow tax-deferre...

Ultra-Premier

Guaranteed Interest Rate5-year or 7-year options available

Guaranteed rates. Safe growth. Tax-deferred.

Tax-Deferred GrowthNo annual tax burden

No Fees100% of investment grows

Penalty-Free Withdrawals10% annual free withdrawal

Best for: Retirees or near-retirees who want to protect a portion of their assets from mar...

Ultra-Secure Plus

Guaranteed Interest Rates+0.15% for deposits/values over $50,000

Guaranteed rates. Protected principal. Tax-deferred growth.

Principal Guarantee100%

Tax-Deferred GrowthFull deferral until withdrawal

Free Annual Withdrawals10% annually

Best for: Retirees and near-retirees seeking guaranteed income growth, principal protectio...

WealthChoice 10 No Bonus

Principal Guarantee100% protection

Protected growth with market upside, no downside risk

Free Partial Withdrawals10% annually

Tax-Deferred CompoundingCompound growth

Guaranteed Living Benefit Rider (GLBR)0.95% annual cost

Best for: Individuals nearing or in retirement seeking tax-deferred accumulation with mark...

WealthChoice 10 with Premium Bonus

Principal Protection100% guaranteed

Protected growth linked to market indexes, guaranteed safety

Index-Linked InterestMultiple index options available

Tax-Deferred GrowthInterest on interest compounding

Contract Terms5, 7, or 10 years

Best for: Retirees or near-retirees who want growth potential tied to market performance b...

WealthChoice 5

Principal Protection100% protection

Protected growth tied to market indexes with lifetime income options

Indexed Interest CreditingMarket-linked growth

Tax-Deferred GrowthFull compounding benefit

Free Partial Withdrawals10% annual free access

Best for: Retirees and pre-retirees who want growth potential with downside protection and...

WealthChoice 7

Premium Range$20,000 – $1,000,000 without approval

Growth + Protection + Guaranteed Lifetime Income

Surrender Charge Period5 or 7 years

Free Annual Withdrawals10% of prior year value

Return of PremiumGuaranteed from year 6 onward

Best for: This product is best suited for market-savvy investors nearing or in retirement ...