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Fixed Indexed Annuity

Ultra Advantage

Mutual of Omaha

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10%

Best S&P 500 Annual Cap

10%

Free W/D

51

Available jurisdictions

Product data status: July 16, 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 Ultra Advantage 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 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$306,405
Est. value at age 80 (Ultra Advantage)
10%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9% Cap (Annual)
✦
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 Ultra Advantage's published cap rate (9% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

Free Comparison Report

Get an Ultra Advantage rate report

See how Ultra Advantage compares for your age, state, premium, and income goals alongside other Mutual of Omaha fixed indexed annuity options.

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Live rate data

Run live numbers for Ultra Advantage

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Mutual of Omaha product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

10% cap on S&P 500

A short-surrender (four-year) accumulation-focused fixed indexed annuity from A+ rated Mutual of Omaha, built around an S&P 500 annual point-to-point cap with fixed-trigger and participation alternatives on the same index plus a proprietary volatility-controlled participation strategy, with no lifetime-income rider in the design.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want tax-deferred index-linked accumulation from an A+ mutual carrier, value a short four-year surrender commitment, want the flexibility to choose between cap, trigger, and participation mechanics on the same S&P 500 exposure, and do not need a guaranteed lifetime-income rider built into the contract.

AM Best

A+ Superior

Surrender options

3, 4, 5, 7, and 10 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. California, New York)

Minimum premium

$10,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

10% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

10% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

10% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7.25% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.75% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

60% participation rate

Participation

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

55% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

55% participation rate

Participation

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

55% participation rate

Participation

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

50% participation rate

Participation

Selected state rate set (TX)

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

S&P 500

S&P 500 Index

50% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

55% participation rate

Participation

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

55% participation rate

Participation

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3.65% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3.65% declared rate

Fixed account

Selected state rate set (TX)

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

Fixed Account

Fixed Account

3.65% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.65% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 3-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.65% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 4-year surrender · Does not vary by premium

+ 10 additional crediting options (BofA U.S....)

Product analyst notes

How to think about this contract

Why it can stand out

  • A+ AM Best (Superior) and AA- S&P (Very Strong) carrier financial-strength ratings, so the carrier-credit view is corroborated by more than a single agency.
  • Short four-year surrender schedule is unusually liquid for an FIA, so a buyer who wants index-linked accumulation but is not ready to commit to a seven-to-ten-year deferral has a real choice here instead of being forced into a long-surrender chassis.
  • Three crediting designs are offered on the S&P 500 alone — annual point-to-point cap, fixed-rate trigger, and participation rate — so a buyer can pick the mechanic that best matches their view of the index rather than being locked into a single style.
  • Standard accumulation-liquidity package is all present — an annual free-withdrawal allowance plus a deep set of waivers (disability, nursing home, terminal illness, unemployment) — and the underlying carrier is the Mutual of Omaha mutual rather than a stock-held issuer.

What to confirm

  • There is no lifetime-income rider on this contract — the live feed shows an empty income-rider list, and there is no built-in Protected Income Value mechanism. Do not pitch Ultra Advantage as a guaranteed lifetime payout product; it is an accumulation chassis.
  • Strategy-guarantee floors on this contract are very low — the guaranteed minimum cap on the indexed strategies sits at or near zero — so caps and participation rates can renew downward over the surrender term, and the buyer carries that renewal risk for the full length of the contract.
  • The BofA U.S. Agility participation strategy posts a high headline participation rate, but it sits on a proprietary volatility-controlled index, not on an uncontrolled benchmark. That participation rate is not directly comparable to an S&P 500 cap and should be evaluated on its own index methodology and historical behavior.
  • Filed in 49 US jurisdictions (48 states plus the District of Columbia) — California and New York residents cannot buy this contract. The product is also filed in Guam and Puerto Rico, which is why the page header may show a higher state count than the 49-jurisdiction US footprint.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (no rider here), a premium bonus or a death-benefit roll-up, an extended surrender commitment with higher caps in exchange, or residency in California or New York where this contract is not available.

Free Comparison Report

Get an Ultra Advantage rate report

See how Ultra Advantage compares for your age, state, premium, and income goals alongside other Mutual of Omaha fixed indexed annuity options.

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All crediting strategies

View rate listings (60 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 165% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Cap: 7.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Fixed: 3.9% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Par: 160% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Trigger: 7% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Fixed: 3.65% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)3-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Cap: 7.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Fixed: 3.9% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Trigger: 7% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Fixed: 3.65% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)4-yr surrenderDoes not vary by premium

Par: 180% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Cap: 10% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Fixed: 3.9% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Cap: 9.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Cap: 7.25% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Fixed: 3.65% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrenderDoes not vary by premium

Par: 185% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Cap: 10% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Cap: 7.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Fixed: 3.9% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 175% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Cap: 9.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Fixed: 3.65% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 185% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 10% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Trigger: 7.75% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 7.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Fixed: 3.9% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 175% · 1-yr

BofA U.S. Agility Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 9.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Fixed: 3.65% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product 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 Ultra Advantage

● Can I lose money in Ultra Advantage?

A negative index return by itself does not reduce the contract's account value: Ultra Advantage 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 4 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 Ultra Advantage's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Ultra Advantage 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

7

Disability waiver, Damage to residence, Death of a spouse or minor dependant, Nursing home waiver, Terminal illness waiver, Transplant surgery, Unemployment waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

0.00%

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

0.05%

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

9%

Yr 3

8%

Yr 4

7%

After

0%

Disability waiver, Nursing home waiver, Terminal illness waiver, Unemployment waiver, Surrender waivers

Documents

brochure

6863e18ea9584c1b9a9bf9be.pdf

Confidence: highReviewed Apr 5, 2026

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

Carrier Ratings

AM BestA+
Moody'sA1
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Ultra Advantage currently shows 20 distinct indexed or fixed crediting choices across 60 displayed rate entries, including S&P 500 Index, with 6 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: 7.5% annual cap
  • S&P 500 Index: 10% annual cap
  • S&P 500 Index: 7.75% annual cap
  • S&P 500 Index: 7% annual cap

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
  • 4 surrender years
  • Disability waiver
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as 6863e18ea9584c1b9a9bf9be.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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

Get an Ultra Advantage rate report

See how Ultra Advantage compares for your age, state, premium, and income goals alongside other Mutual of Omaha fixed indexed annuity options.

Get my rate report

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