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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 4 Years | 3.25% |
| 6 Years | 3.45% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $25,000.00 - $99,999.00 | 2.75% |
| $100,000.00 - $1,000,000.00 | 3.25% |
| Features | |
| Maximum Issue Age | 100 years |
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