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Product Highlights

Single premium deferred annuity with a fixed interest rate.
Issue Ages: 0-89 (5-year)
0-88 (7-year)

Customer Needs

Designed for customers seeking:

  • Competitive interest rates
  • An alternative to a certificate of deposit
  • A safe place for their money
  • Retirement savings
  • Rollover from retirement plans
  • Tax deferral on growth
  • Guaranteed income at retirement

Reasons to Sell Ultra-Premier

  • Provides competitive interest rate guarantees
  • Offers rate guarantees of 5 and 7 years
  • Offers competitive renewal rates
  • There are a variety of payout options


10% annual withdrawal with no surrender charge – available immediately (tax penalties may apply)

No withdrawal charges for unexpected life events (see Waiver of Withdrawal Charges)

Systematic withdrawal option

Policy Limits

  • $25,000 minimum for Qualified and Non-Qualified Money
  • $3 million maximum (without United of Omaha approval)
  • Additions may be made during the first policy year, but may be limited. A minimum of $500 is required

Guarantee Period Options

5 - year rate guarantee

7 - year rate guarantee



Withdrawal Charges: 5 - Year
Year 1 2 3 4 5
Charge 9% 9% 8% 7% 6%
Withdrawal Charges: 7 - Year
Policy Year 1 2 3 4 5 6 7
Charge 9% 9% 8% 7% 6% 5% 4%

Waiver of Withdrawal Charges

(subject to state availability)

  • Confinement in a hospital or long-term care facility
  • Terminal illness
  • Unemployment
  • Disability
  • Death of spouse or minor dependent
  • Damage to the owner’s residence
  • Transplant surgery

Death Benefit

The accumulation value less any applicable premium tax

Licensing Requirements

  • State insurance license
  • Appointed with United of Omaha


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