The Access SPDA-4 is a 4-year multi-year guaranteed annuity from United Life Insurance Company.
3.25% every year. It cannot go down during the term.
Of your account value each year, with no surrender charge.
Of your account value each year, with no surrender charge.
Interest compounds annually at 3.25%. Enter your deposit and select Recalculate to see your own numbers.
| Year | Starting balance | Interest earned | Ending balance |
|---|---|---|---|
| Year 1 | $100,000.00 | +$3,250.00 | $103,250.00 |
| Year 2 | $103,250.00 | +$3,355.63 | $106,605.63 |
| Year 3 | $106,605.63 | +$3,464.68 | $110,070.31 |
| Year 4 | $110,070.31 | +$3,577.29 | $113,647.59 |
Assumes no withdrawals. Interest grows tax-deferred until withdrawn. Rates last updated 11/14/2026 and subject to change until your rate is locked. For illustration purposes only.
This annuity lets you take some money out each year without a charge. Anything above that amount is subject to the charges below until the term ends.
The charge applies to the amount you withdraw above any free amount. Example: withdrawing $10,000 in year 1 would cost $400.
Early withdrawals are not adjusted for interest rate changes.
Carriers can change rates without notice. Today's rate is not locked until United Life Insurance Company receives your final application, and it is only secured once the policy is funded.
The date United Life Insurance Company last changed the rate on this product.
You have 30 days after the term ends to act with no surrender charge.
We compare rates from 90+ top annuity companies and are licensed in 47 states. Your contract and your money are held by United Life Insurance Company, never by us.
If you may need money before the 4 years are up, or want to compare this against other terms, talk it through with a licensed agent first. Schedule a call or dial 855-277-8088. No fees and no obligation.
New to MYGAs? Read the MYGA guide, our tax overview, or compare today's best annuity rates. Looking for lifetime income instead? Use our single premium immediate annuity calculator.
Rates last updated 11/14/2026 and subject to change without notice. For illustration purposes only. This annuity is issued by United Life Insurance Company, an insurance company, not a bank, and is not FDIC insured. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Withdrawals may be subject to surrender charges, a market value adjustment and ordinary income tax, and to a 10% federal tax penalty if taken before age 59½. Not available in AK, GU, HI, ME, NY, PR, VI, VT. My Annuity Store does not give tax or legal advice. Please consult a tax professional or attorney.
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