Simulation & Edit Mode
Active Product: United Life – Performance SPDA 10% Free Withdrawal (3-, 5-, and 7-year terms)
United Life – Performance SPDA 10% Free Withdrawal (3-, 5-, and 7-year terms)
About this product
The Performance SPDA (10% Free Withdrawal Option) offers the same guaranteed multi-year fixed rates as the base version but includes a built-in 10% annual penalty-free withdrawal feature. This liquidity provision allows clients to access a portion of their funds each year without incurring surrender charges. In exchange for this added flexibility, credited rates are reduced by 0.15% compared to the base product.
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 | 5.25% |
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 | 5.25% |
| 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