Ultra-Secure Plus
United Life Insurance Company
10%
Free W/D
49
States
Ultra-Secure® Plus is a single premium deferred annuity that locks in a guaranteed fixed interest rate for 5 or 7 years, helping you accumulate retirement savings with complete principal protection and tax-deferred growth.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$5,000
Surrender
7 years
Key Features
Guaranteed Interest Rates
+0.15% for deposits/values over $50,000Fixed annual rate locked in at application for either 5 or 7 years; rates do not change regardless of market conditions
Principal Guarantee
100%100% of your principal is guaranteed by United of Omaha, less any withdrawals or penalties
Tax-Deferred Growth
Full deferral until withdrawalInterest accumulates without immediate tax liability; taxes due only when you begin receiving annuity payments
Free Annual Withdrawals
10% annuallyAccess up to 10% of accumulated account value each year without withdrawal charges or interest adjustment
Life Event Withdrawals
Varies by stateFree penalty-free access for hardships including hospitalization, disability, terminal illness, unemployment, death of spouse, or home damage
Withdrawal Charges
6%-3% declining scheduleSurrender charges decline over time; 5-year: 6% years 1-4, 5% year 5; 7-year: 6% years 1-4, 5% year 5, 4% year 6, 3% year 7
Return of Premium
100% guaranteedCancel anytime and receive 100% refund of remaining premium, less payments received and taxes
30-Day Free Look
30 daysCancel within 30 days of purchase for any reason with full refund of initial payment
Beneficiary Payment
Immediate paymentAll policy funds paid immediately to beneficiary upon death, avoiding probate
Highlights
Guaranteed fixed interest rates locked in for 5 or 7 years, regardless of market fluctuations
100% principal protection with no initial sales or administrative charges
Tax-deferred growth with flexible access to your money—withdraw up to 10% annually penalty-free
Free withdrawals allowed for life events like hospitalization, disability, or unemployment
Immediate payment to beneficiaries upon death, avoiding probate delays
Surrender Schedule
Yr 1
6%
Yr 2
6%
Yr 3
6%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
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 and near-retirees seeking guaranteed income growth, principal protection, and tax-deferred accumulation without stock market risk.
Consider Alternatives If
Investors needing access to their full principal within the first few years, or those seeking growth rates potentially higher than fixed guarantees.
Carrier Ratings
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