Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

United Life review

Annuity Atlas covers 12 United Life annuity products with live rates and contract specs. 9 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A-

Insurer claims-paying rating

Products tracked
12
MYGA yield (lineup max)
4.80% · 5yr · Performance SPDA 5
Surrender range
3–10 years
Rate as of Jul 1, 2026
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Products covered
12
A.M. Best
A-
Categories covered
FIA · MYGA

12 United Life annuities

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

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
A-
A.M. BEST
MYGA5-YR SURRENDER
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.
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →
Performance SPDA-5 w/10%
A-
A.M. BEST
MYGA5-YR SURRENDER
Details →
Performance SPDA-7 w/10%
A-
A.M. BEST
MYGA7-YR SURRENDER
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
A-
A.M. BEST
MYGA3-YR SURRENDER
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
A-
A.M. BEST
MYGA6-YR SURRENDER
Review →
Performance SPDA-3 w/10%
A-
A.M. BEST
MYGA3-YR SURRENDER
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
A-
A.M. BEST
MYGA4-YR SURRENDER
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
A-
A.M. BEST
FIA10-YR SURRENDERINCOME RIDER 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
A-
A.M. BEST
FIA10-YR SURRENDERBONUS 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
A-
A.M. BEST
FIA5-YR SURRENDER
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
A-
A.M. BEST
FIA7-YR SURRENDERINCOME RIDER 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.

RiderProductFee
WealthChoice GLBR: Increasing IncomeWealthChoice 100.95% annually
WealthChoice GLBR: Level IncomeWealthChoice 100.95% 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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