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Fixed Indexed Annuity

WealthChoice 10 No Bonus

United Life Insurance Company

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9.5%

Best S&P 500 Annual Cap

10%

Free W/D

46

Available jurisdictions

Product data status: July 15, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what WealthChoice 10 No Bonus would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$123,210
Est. value at age 80 (WealthChoice 10 No Bonus)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Dynamic Intraday TCA Index (USD) ER — 11% Cap (Annual · 10-yr term)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies WealthChoice 10 No Bonus's published cap rate (11% on S&P 500 Dynamic Intraday TCA Index (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 10-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how WealthChoice 10 No Bonus compares for your age, state, premium, and income goals alongside other United Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for WealthChoice 10 No Bonus

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this United Life Insurance Company product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Optional GLWB lifetime payout rate

6.3% lifetime payout

A long-term WealthChoice FIA with optional level or increasing lifetime-income elections and no base premium bonus.

0.95% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a choice between level and increasing lifetime income and can accept rider fees and a long surrender term.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

46 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

monthly sum cap

2.25% cap rate

Monthly sum

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Cap with Bailout

9.5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.7% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

5% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 3 additional crediting options (Horizon Ascend, Barclays Global, S&P 500)

Lifetime Income Riders

Income rider

Guaranteed Living Benefit Rider -

RMD friendly
Lifetime payout rate6.3% lifetime payout
Annual rider fee0.95% annual rider fee

Income rider

Guaranteed Living Benefit Rider - Increasing

Lifetime payout rate4.1% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Buyers can compare a level lifetime-income election with an earnings-indexed increasing election inside the same filing.
  • The underlying strategy menu includes a recognizable S&P 500 annual cap plus several participation and fixed-account choices.

What to confirm

  • Both income elections carry an ongoing rider fee, and the increasing option starts from a different payout structure than the level option.
  • The No Bonus product label should not be confused with the separately listed rate-enhancement rider row in the live feature data; confirm the exact election on the illustration.

Not ideal for

Pure accumulation buyers who do not need an income rider or buyers expecting a portable upfront bonus.

Free Comparison Report

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See how WealthChoice 10 No Bonus compares for your age, state, premium, and income goals alongside other United Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (8 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 165% · 1-yr

Barclays Global Quality 5% Index

participation

10-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 10% · 1-yr

Horizon Ascend 5% Index

participation

10-yr surrenderDoes not vary by premium

Cap: 9.5% · 1-yr

S&P 500 Index

Cap with Bailout · cap

10-yr surrenderDoes not vary by premium

Trigger: 6.7% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 2.25% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrenderDoes not vary by premium

Cap: 11% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Guaranteed Living Benefit Rider - Level

RMD friendly
Lifetime withdrawal rate6.3%
Annual rider fee0.95%
Deferral assumed10 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Guaranteed Living Benefit Rider - Increasing

Lifetime withdrawal rate4.1%
Annual rider fee0.95%
Deferral assumed10 years

GLWB

Common questions about WealthChoice 10 No Bonus

● Can I lose money in WealthChoice 10 No Bonus?

A negative index return by itself does not reduce the contract's account value: WealthChoice 10 No Bonus credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Guaranteed Living Benefit Rider - Level income rider worth the 0.95% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 6.3% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do WealthChoice 10 No Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current WealthChoice 10 No Bonus strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Accumulation Value DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.10%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

2.95%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

United Life Insurance Company – WealthChoice Fixed Indexed Annuity (5, 7 & 10 Year) – Consumer Brochure (CR-0019 : 09-24) copy.pdf

Confidence: highReviewed Apr 11, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

WealthChoice 10 No Bonus currently shows 8 indexed or fixed crediting options, including S&P 500 Index, with 3 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 2.25% monthly cap
  • S&P 500 Index: 9.5% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 40% annual participation rate

Income rider language

What to look for before treating the rider as income

Guaranteed Living Benefit Rider - Level is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.3% withdrawal rate
  • 0.95% rider fee
  • 10 deferral years
  • RMD friendly
  • Joint life availability

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as United Life Insurance Company – WealthChoice Fixed Indexed Annuity (5, 7 & 10 Year) – Consumer Brochure (CR-0019 : 09-24) copy.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how WealthChoice 10 No Bonus compares for your age, state, premium, and income goals alongside other United Life Insurance Company fixed indexed annuity options.

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