4.8%
5-yr guarantee
10%
Free W/D
46
Available jurisdictions
Product analyzer
Run live numbers for Performance SPDA
Current 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 July 16, 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.
AM Best
A- Excellent
Surrender period
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 offers no index-linked growth or GLWB rider.
Not ideal for
Buyers seeking equity-linked upside, lifetime-income rider guarantees, or unrestricted access during the term.
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Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 3.6% |
| 5-Year | 4.8% |
| 7-Year | 4.8% |
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
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
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