| 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 → |
| 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 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 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 → |
| 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 → |
