United Life Insurance Company
Wealthchoicetm Fixed Index Annuity 5 Year
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
5 years
Top yield
2.96%
A.M. Best
A-
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Rate Account | Fixed | 5.00% | — | — | 2.96% |
| 1-Year Barclays Global Quality 5% Annual Point-to-Point Par Rate | Point to Point | — | — | 160.00% | 2.35% |
| 1-Year Horizon Ascend 5% Point-to-Point Par Rate | Point to Point | — | — | 10.00% | 2.35% |
| 1-Year S&P 500 Annual Point-to-Point Cap | Point to Point | — | 10.25% | — | 2.35% |
| 1-Year S&P 500 Annual Point-to-Point Par Rate | Point to Point | — | — | 45.00% | 2.35% |
| 1-Year S&P 500 Monthly Sum | Point to Point | — | 2.50% | — | 2.35% |
| 1-Year S&P 500 Price Return Performance Trigger | Performance Triggered | — | 7.00% | — | 2.35% |
| 1-Year S&P Dynamic Intraday TCA Index Cap | Point to Point | — | 12.75% | — | 2.35% |
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Product Specifications
- Minimum premium (non-qualified)
- $20,000
- Minimum premium (qualified)
- $20,000
- Maximum issue age
- 90
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 46 states
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.