Best available rate
4.8%
7-yr guarantee · 7-yr surrender schedule · $100,000+ premium
Up to 4.8% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
46
Available jurisdictions
Rates as of August 21, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Performance 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 21, 2026, from AdvisorWorld and CANNEX.
5-year guaranteed rate
4.8% guaranteed for 5 years
A multi-term United Life MYGA with flat current guarantees and several life-event surrender waivers.
Best fit
Safety-first buyers who want a known rate over a chosen term and value defined hardship and required-distribution waivers.
Available guarantee terms
3, 5, and 7 years
AM Best
A- Excellent
Available surrender terms
3, 5, and 7 years
Free withdrawal
10%/yr
Availability
46 jurisdictions (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- The contract publishes short, middle, and longer flat-rate guarantee choices under one product filing.
- Nursing-home, terminal-illness, and required-distribution waivers provide defined exceptions to the surrender schedule.
What to confirm
- More than one live option can appear at the same term, so the quote must stay tied to the selected product instance and scenario rather than a copied rate.
- A market value adjustment applies to early surrender, and the contract is designed for fixed-rate accumulation rather than index-linked growth or scheduled retirement income.
Not ideal for
Buyers seeking equity-linked upside, a scheduled retirement payout feature, or unrestricted access during the term.
Free Comparison Report
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See how Performance SPDA compares for your age, state, premium, and income goals alongside other United Life Insurance Company MYGA options.
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 | $25,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Feb 28, 2026 | 3.4%Rate convention not stated | 3.6%Rate convention not stated |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Feb 28, 2026 | 4.6%Rate convention not stated | 4.8%Rate convention not stated |
| Most states · MVA · No liquidity rider | 7-Year | 7-Year schedule | Feb 28, 2026 | 4.6%Rate convention not stated | 4.8%Rate convention not stated |
| Most states · MVA · Penalty Free Withdrawal Rider | 3-Year | 3-Year schedule | Feb 28, 2026 | 3.25%Rate convention not stated | 3.45%Rate convention not stated |
| Most states · MVA · Penalty Free Withdrawal Rider | 5-Year | 5-Year schedule | Feb 28, 2026 | 4.45%Rate convention not stated | 4.65%Rate convention not stated |
| Most states · MVA · Penalty Free Withdrawal Rider | 7-Year | 7-Year schedule | Feb 28, 2026 | 4.45%Rate convention not stated | 4.65%Rate convention not stated |
Key Features
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
3-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
After
0%
3-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
After
0%
5-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
After
0%
5-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
After
0%
7-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
7-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how Performance SPDA compares for your age, state, premium, and income goals alongside other United Life Insurance Company MYGA options.