United Life review

Annuity Atlas covers 12 United Life annuity products with live rates and contract specs. 9 carry full editorial reviews.

Carrier strength

A-

A.M. Best

Products12

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Products covered

A.M. Best

A-

Categories covered

FIA · MYGA

12 United Life annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Performance SPDA 5 Savers who want United Life's best current crediting rate from an A- rated carrier and don't mind an MVA sitting behind it	MYGA	5yr	A-	—	—	Review →
Performance SPDA 7 Savers who deliberately want a rate locked past five years — filling a longer rung in a CD/MYGA ladder, or acting on a belief that rates are heading lower — and who are willing to pay for that choice in extra lockup time rather than extra yield.	MYGA	7yr	A-	—	—	Review →
Performance SPDA-5 w/10%	MYGA	5yr	A-	—	—	Details →
Performance SPDA-7 w/10%	MYGA	7yr	A-	—	—	Details →
Performance SPDA 3 Savers who want a short, three-year rate lock from an A- carrier, don't mind an early-withdrawal market value adjustment, and can live with modest free-withdrawal access in exchange for the rate	MYGA	3yr	A-	—	—	Review →
Access SPDA 6 Smaller-balance savers who want a gentle, low-minimum, no-MVA 6-year rate lock with above-average penalty-free access — not buyers chasing the top posted MYGA yield	MYGA	6yr	A-	—	—	Review →
Performance SPDA-3 w/10%	MYGA	3yr	A-	—	—	Details →
Access SPDA 4 Shoppers who want a short, no-MVA MYGA with a low $5,000 minimum and generous built-in liquidity from an A- rated carrier, and who plan to get a fresh quote before committing rather than lock in today's published rate	MYGA	4yr	A-	—	—	Review →
WealthChoice 10 A buyer who wants United Life's income rider on the longest available deferral, or who wants the option of the premium bonus that only this term offers	FIA	10yr	A-	Yes 0.95% annually fee	—	Review →
WealthChoice 10 with Premium Bonus A buyer who expects weak index years, wants the highest guaranteed floor in the family, and will hold past year six so the bonus fully vests	FIA	10yr	A-	—	10%	Review →
WealthChoice 5 A five-year buyer who wants a top-quartile S&P 500 cap with no product fee, penalty-free access from year one, and a return-of-premium floor at the end of year five	FIA	5yr	A-	—	—	Review →
WealthChoice 7 A seven-year buyer who wants a top-tier S&P 500 cap with no product fee, full free withdrawals from year one, and a return-of-premium floor after year five	FIA	7yr	A-	Yes 0.95% annually fee	—	Review →

Income rider fees

Disclosed charges for optional riders on United Life products, live from Annuity Rate Watch. Product-level detail is on each review.

Rider	Product	Fee
WealthChoice GLBR: Increasing Income	WealthChoice 10	0.95% annually
WealthChoice GLBR: Level Income	WealthChoice 10	0.95% annually

Frequently asked questions

Is United Life a good annuity company?

We have reviewed 9 United Life products, and A.M. Best rates the carrier A- for financial strength.

What are the fees for United Life annuities?

Fee structures vary by product. Optional income riders on United Life products carry disclosed charges — for example WealthChoice GLBR: Increasing Income (WealthChoice 10): 0.95% annually ; WealthChoice GLBR: Level Income (WealthChoice 10): 0.95% annually . See each product review for the full fee detail.

What is the surrender period for United Life annuities?

Surrender periods on United Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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