Best Guaranteed Annuity Rates

WealthChoice 10

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Learn how an annuity can provide guaranteed income for life.


As a Fixed Indexed Annuity, WealthChoice offers you many financial perks. 
  • Diversified Savings Tool. You have competitive alternatives designed to perform well in different financial environments with a variety of interest rates. 
  • Tax-Deferred Compounding. The growth power of an annuity may increase significantly throughout the life of your contract. 
  • Protection from Declines. If indexes do decrease, your WealthChoice annuity will not be affected, because our guarantees will mitigate that risk.
Available in states: AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, and WY
Fixed Index
Purpose Lifetime Income
10 Years
Surrender schedule
Free withdrawal
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, 401k, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, and TSP
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Find out if the WealthChoice 10 is the right product for you.

Premium Notes

Additional premium allowed in first year only to fixed account, which may be reallocated at the next anniversary. Minimum additional premium is $5,000.

Maximum Age
If adding GLBR, the maximum issue age is 80.

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Free Partial Withdrawals
10% of the prior anniversary’s Accumulation Value is available free of surrender charge and MVA, applies in all years. During the first year, it is 10% of the initial premium.

Systematic Withdrawals
Depending on your withdrawal preference, you can elect to be paid on an annual, semi-annual, quarterly or monthly basis.

Required Minimum Distributions
The amount that the IRS requires you to withdraw annually after age 72 is always available without a surrender charge penalty, even if the amount is greater than your free annual withdrawal amount.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
5.25% Fixed
1-Year S&P 500 PTP Cap
Point to Point
12% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Monthly sum
3.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
55% Participation
1-Year Horizon Ascent 5% PTP Participation Rate
Point to Point
160% Participation
1-Year Barclays Global Quality PTP Participation Rate
Point to Point
185% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%


Name Inbuilt Fee
United Wealth Choice GLBR - Level No 0.95% annually
United Wealth Choice GLBR - Increasing No 0.95% annually


Nursing Home

Charges waived due to diagnosis of terminal illness and/or confinement to nursing home after contract is issued. The nursing home waiver does not include home health care.

Terminal Illness

A health condition or injury experienced, which to a reasonable degree of medical certainty, confirmed by a Physician, will result in that person’s death within one year.


Receiving continuous care for at least 30 days from a hospital or long-term care facility.

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