Best available rate
3.45%
6-yr guarantee · 6-yr surrender schedule · $10,000+ premium
Up to 3.45% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
47
Available jurisdictions
Rates as of August 12, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Access SPDA
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this United Life Insurance Company product.
Live product data
Rates as of August 12, 2026, from AdvisorWorld and CANNEX.
4-year guaranteed rate
3.45% guaranteed for 6 years
A United Life fixed-rate deferred annuity with live term-based guarantees, a published surrender schedule, and a disclosed minimum premium.
Best fit
Buyers seeking predictable fixed-rate accumulation who can select a term and keep funds committed through its surrender period.
Available guarantee terms
4 and 6 years
AM Best
A- Excellent
Available surrender terms
4 and 6 years
Free withdrawal
10%/yr
Availability
47 jurisdictions (excl. Alaska, Hawaii, Maine, New York)
Minimum premium
$5,000
Product analyst notes
How to think about this contract
Why it can stand out
- The contract offers fixed-rate accumulation without exposing principal to an equity index.
- The live data publishes a surrender schedule and withdrawal provisions for evaluating access before purchase.
- The live product data publishes the minimum premium needed for an exact eligibility check.
What to confirm
- The selected guaranteed rate depends on the four-year or six-year term, so buyers should confirm the exact selection before purchase.
- Withdrawals beyond the applicable allowance during the surrender period can incur contract charges.
- This product does not provide market-linked growth or an optional lifetime-income rider.
Not ideal for
Buyers needing unrestricted liquidity, index participation, or a guaranteed-lifetime-withdrawal rider.
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Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | $5,000–$9,999Premium · comparable annual rate | $10,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| Most states · No MVA · No liquidity rider | 4-Year | 4-Year schedule | Jan 1, 2025 | 2.75%Rate convention not stated | 3.25%Rate convention not stated |
| Most states · No MVA · No liquidity rider | 6-Year | 6-Year schedule | Jan 1, 2025 | 2.95%Rate convention not stated | 3.45%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Death Benefit - CVBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
4-Year Version
Yr 1
4%
Yr 2
4%
Yr 3
3%
Yr 4
2%
After
0%
6-Year Version
Yr 1
6%
Yr 2
5%
Yr 3
4%
Yr 4
3%
Yr 5
2%
Yr 6
100%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how Access SPDA compares for your age, state, premium, and income goals alongside other United Life Insurance Company MYGA options.