United Life Insurance Company
United Life – Performance SPDA (3-, 5-, and 7-year terms)
About this product
The Performance SPDA is a single-premium Multi-Year Guaranteed Annuity (MYGA) offering guaranteed interest rates for 3, 5, and 7-year terms. It includes a Market Value Adjustment (MVA) that may increase or decrease surrender values based on interest rate movements, allowing higher credited rates compared to non-MVA products. The product is ideal for individuals seeking higher fixed returns with limited liquidity needs and optional free withdrawal flexibility.
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