United Life Insurance Company
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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 3.60% |
| 5 Years | 4.80% |
| 7 Years | 4.80% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $25,000.00 - $99,999.00 | 3.4% |
| $100,000.00 - $1,000,000.00 | 3.6% |
| 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