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Fixed Indexed Annuity

WealthChoice 5

United Life Insurance Company

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10.25%

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 5 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
$145,104
Est. value at age 80 (WealthChoice 5)
10.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Dynamic Intraday TCA Index (USD) ER — 12.75% Cap (Annual · 5-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 5's published cap rate (12.75% 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; 5-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 5 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 5

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.

S&P 500 annual point-to-point cap

10.25% cap on S&P 500

The short-surrender WealthChoice accumulation FIA, led by a plain annual S&P 500 cap and no bonus or income rider.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Growth-focused buyers who want the shortest WealthChoice commitment and a clean annual-cap comparison.

AM Best

A- Excellent

Surrender period

5 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

2.5% cap rate

Monthly sum

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Cap with Bailout

10.25% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

45% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

5% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

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

Product analyst notes

How to think about this contract

Why it can stand out

  • The shortest WealthChoice surrender schedule delivers the family's broad cap, participation, trigger, and fixed-account menu without a bonus trade-off.
  • Nursing-home, terminal-illness, and required-distribution waivers create several defined liquidity exceptions.

What to confirm

  • There is no optional GLWB or premium bonus in the live filing; this product is designed for account-value accumulation.
  • The market value adjustment can change early-surrender proceeds beyond the published surrender charge.

Not ideal for

Buyers seeking a premium bonus, guaranteed lifetime withdrawals, or full liquidity during the surrender period.

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See how WealthChoice 5 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: 160% · 1-yr

Barclays Global Quality 5% Index

participation

5-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Cap: 10.25% · 1-yr

S&P 500 Index

Cap with Bailout · cap

5-yr surrenderDoes not vary by premium

Par: 10% · 1-yr

Horizon Ascend 5% Index

participation

5-yr surrenderDoes not vary by premium

Trigger: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrenderDoes not vary by premium

Fixed: 5% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Cap: 2.5% · 1-yr

S&P 500 Index

monthly_sum_cap

5-yr surrenderDoes not vary by premium

Cap: 12.75% · 5-yr

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

cap

5-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about WealthChoice 5

● Can I lose money in WealthChoice 5?

A negative index return by itself does not reduce the contract's account value: WealthChoice 5 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.

● 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 5 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 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current WealthChoice 5 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

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

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

Documents

brochure

CR-0019-09-24-5-7-C_WealthChoice_United_Consumer-Guide_PRT_V5-2.pdf

Confidence: highReviewed Apr 8, 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 5 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: 2.5% monthly cap
  • S&P 500 Index: 10.25% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 45% annual participation rate

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
  • 5 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 CR-0019-09-24-5-7-C_WealthChoice_United_Consumer-Guide_PRT_V5-2.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 5 compares for your age, state, premium, and income goals alongside other United Life Insurance Company fixed indexed annuity options.

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