Simulation & Edit Mode
Active Product: United Life – Performance SPDA (3-, 5-, and 7-year terms)
United Life – Performance SPDA (3-, 5-, and 7-year terms)
About this product
United Life’s Performance SPDA is a single-premium deferred annuity (SPDA) that provides tax-deferred accumulation at guaranteed fixed interest rates across 3-year, 5-year, and 7-year guarantee periods. Designed for clients seeking higher long-term yields, Performance SPDA offers competitive guaranteed rates with principal protection and includes optional enhanced liquidity through a 10% annual withdrawal rider. The product incorporates a Market Value Adjustment (MVA), allowing higher credited rates in exchange for market-sensitive surrender adjustments, making it suitable for clients with longer-term accumulation goals.
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
| 3 Years | 3.60% |
| 5 Years | 5.10% |
| 7 Years | 5.05% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $25,000.00 - $99,999.00 | 3.40% |
| $100,000.00 - $1,000,000.00 | 3.60% |
Features
| Maximum Issue Age | 100 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (62), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 5.05% |
| Age | 55 - 62 |
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