Simulation & Edit Mode
Active Product: United Life – Access SPDA (4- and 6-year terms)
United Life – Access SPDA (4- and 6-year terms)
About this product
The United Life Access SPDA is a single-premium deferred annuity (SPDA) that provides fixed, guaranteed interest for 4- and 6-year terms. It is designed for conservative investors seeking predictable, tax-deferred growth without exposure to market fluctuations. This product offers principal protection and the flexibility to choose between two liquidity options at issue—either interest-only withdrawals or a 10% annual penalty-free withdrawal provision (which slightly reduces the credited rate). The contract is non-MVA, ensuring surrender values remain unaffected by interest rate movements.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 4 Years | 3.45% |
| 6 Years | 3.45% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $5,000.00 - $9,999.00 | 2.95% |
| $10,000.00 - $1,000,000.00 | 3.45% |
Features
| Maximum Issue Age | 100 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (61), the following guarantee period will be applied:
| Guarantee Period | 6 years |
| Rate | 3.45% |
| Age | 55 - 61 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 5 |
Lifetime Income Details
Payout Options
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