United Life Access SPDA — 4-year fixed annuity at 3.25%
- Locks in 3.25% for 4 years
- Open with $5,000 to $1,000,000
- Free withdrawals allowed for:
- 10% of your balance each year
- Required IRA distributions
- Your full investment for nursing home confinement or terminal illness
Rates as of May 8, 2026
Projected balance
over 4 years
Compounded at 3.25% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $325 | $10,325 |
| 2 | $336 | $10,661 |
| 3 | $346 | $11,007 |
| 4 | $358 | $11,365 |
| Total earnings | $1,365 | $11,365 |
Free-withdrawal allowance: 10% / yr (interest only year 1). Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #37 of 37 (top is 6.05% — Mountain Life Alpine Horizon)
Same product, other terms
Other Access SPDA terms from United Life
Projections shown for a $10,000 premium.
| Term | Rate | Projection | |
|---|---|---|---|
| 4-year | 3.25% | $11,365 | You're here |
| 6-year | 3.45% | $12,257 | View → |
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 4.0% |
| Year 2 | 4.0% |
| Year 3 | 3.0% |
| Year 4 | 2.0% |
Contract terms
What else to know
Term
4 years guaranteed at 3.25% APY
Investment range
$5,000 – $1,000,000
Rate banding
Higher investment amounts qualify for higher rates.
| Premium band | Rate |
|---|---|
| $5,000 – $10,000 | 2.75% |
| $10,000 – $1,000,000 | 3.25% |
Funding sources accepted
Roth Conversion (Full), Traditional IRA, Non-Qualified, 1035 Exchange, IRA Rollover, IRA Transfer, SIMPLE IRA, IRA-Roth, TSA 403b, 457 plan, Pension, 401k, TSP
Owner age
0 to 100 years old
Free look period
30 days after policy issue to change your mind without penalty.
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Riders & waivers
- Terminal Illness Waiver
- Nursing Home Waiver
- Death Benefit Waiver
- RMD-Friendly (RMD withdrawals exempt from surrender charge)
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: United Life contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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