Ultra-Premier
United Life Insurance Company
10%
Free W/D
49
States
The Ultra-Premier Single Premium Deferred Annuity is a safe, fixed-rate investment option that guarantees your interest rate for either 5 or 7 years, offering tax-deferred growth without market risk. It's designed for people nearing or in retirement who want to protect assets from stock market downturns.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$25,000
Surrender
7 years
Key Features
Guaranteed Interest Rate
5-year or 7-year options availableYour interest rate is locked in and guaranteed for your chosen period with no market fluctuation.
Tax-Deferred Growth
No annual tax burdenYour money grows without federal income tax liability until you begin receiving annuity payments.
No Fees
100% of investment growsAll your money works for you; there are no sales or administrative fees charged.
Penalty-Free Withdrawals
10% annual free withdrawalYou can withdraw up to 10% of your account value each year without surrender charges.
Emergency Access
7 qualifying life eventsYou have free access to your full account value if qualifying life events occur, including hospitalization, disability, terminal illness, unemployment, or death of spouse/dependent.
Probate Avoidance
Immediate beneficiary payoutYour beneficiary immediately receives all account funds upon your death, bypassing costly probate delays.
30-Day Free Look
30-day cancellation periodYou can cancel the policy within 30 days of purchase with no penalties and receive your full initial payment back.
Highlights
Competitive guaranteed interest rates locked in for 5 or 7 years with no market risk
Tax-deferred growth—you don't pay taxes until you start receiving annuity payments
No sales or administrative fees; your entire investment works for you
Free emergency access to funds for life events like hospitalization, disability, or terminal illness
10% penalty-free annual withdrawal option plus immediate beneficiary payout to avoid probate
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
After
0%
Damage to residence, Death of a spouse or minor dependant, Disability waiver, Nursing home waiver, Terminal illness waiver, Transplant surgery, Unemployment waiver
Best For
Retirees or near-retirees who want to protect a portion of their assets from market volatility and generate guaranteed, tax-deferred income.
Consider Alternatives If
Investors who need immediate access to all their funds or who are seeking growth that outpaces inflation, or those under age 59½ who may face early withdrawal penalties.
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