Best Guaranteed Annuity Rates

Ultra-Premier 5-Year

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Premium Type
Single Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Launch date
Types of funds
Non-Qualified, 401k, TSA 403b, and 1035 Exchange
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With Ultra-Premier you choose an interest rate period of either 5 or 7 years. Your interest rate is guaranteed for the period you selected. You won’t have to pay taxes on the money that grows until you begin receiving regular annuity payments

Policy Minimums and Maximums 
  • $25,000 minimum (Qualified or Nonqualified) 
  • $3 million maximum (without United of Omaha approval) 
  • $500 minimum additions may be made during the first policy year (subject to policy maximums) 
  • Additions are credited with the new money interest rate in effect at the time of the addition 
Maximum Issue Age 
  • 5-year: 89 years 
  • 7-year: 88 years 
Death Benefit
  • The accumulation value less any applicable premium taxes 
Systematic withdrawal option – fixed dollar amount or interest only

Access to Your Money 
  • You can withdraw up to 10 percent of the money in your account each year without a withdrawal charge or market value adjustment (withdrawals before age 59 ½ are subject to a 10 percent federal income tax penalty) 
  • If the unexpected happens, you have free access to your entire account value if one of these life events occurs: – Confinement to a hospital or long-term care facility 
    • Unemployment 
    • Disability 
    • Terminal Illness 
    • Death of a spouse or minor dependent 
    • Damage to your residence 
    • Transplant surgery 

Find out if the Ultra-Premier 5-Year is the right product for you.

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
5 years 5%


No Riders for Ultra-Premier 5-Year annuity.



Unavailable in states: CA

Applies to one withdrawal if the spouse or a minor dependent of the owner dies. For the death of a spouse, the maximum allowable surrender is 50 percent of the accumulation value as of the date of withdrawal. For the death of a minor dependent, the maximum is 25 percent.

Terminal Illness

Unavailable in states: CA

Applies if the owner has been diagnosed with a terminal illness.


Unavailable in states: CA

Applies once the owner has received unemployment benefits for at least 60 days. If the owner is receiving unemployment benefits on the day the policy is issued, this waiver does not apply.


Unavailable in states: CA

Annuitization after second contract year.


Unavailable in states: CA

Applies once the owner has become totally disabled for more than 90 continuous days. This waiver no longer applies once the owner has attained age 65.


Unavailable in states: CA

Applies once the owner has been hospitalized or confined to a nursing home or long-term care facility for at least 30 consecutive days. This waiver applies during confinement and within 91 days of the last day of confinement. The nursing home waiver does not include home health care.

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