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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 more experienced investors seeking:

  • Potential of higher returns
  • Tax deferral on growth
  • Death benefit protection
  • College planning for children and grandchildren
  • Retirement savings
  • Rollovers from retirement plans
  • Guaranteed income at retirement
  • Certificate of deposit alternative

Good Reasons to Sell Our Ultra-Secure® Plus Product

  1. It provides longer interest rate guarantees
  2. Your clients have immediate access to their money
  3. There are a variety of payout options
  4. An additional .15-percent interest is added to the interest rate on purchase payment and accumulation values over $50,000
  5. Return of premium that automatically renews when client renews contract for additional 5 or 7 years
  6. It offers competitive renewal rates
  7. It allows for systematic withdrawals (surrender charges may apply)


10% withdrawal with no surrender charge – available immediately. 1

Systematic Withdrawal Option

Electronic Fund Transfer

1 Tax penalties may apply

Policy Minimum

$5,000 minimum

$500 minimum for additional deposits allowed in first policy year, subject to Home Office approval

Investment Options

5 - year rate guarantee

7 - year rate guarantee



Surrender Charges: 5 - Year
Year 1 2 3 4 5 6
Charge 6% 6% 6% 6% 5% 0%
Surrender Charges: 7 - Year
Policy Year 1 2 3 4 5 6 7 8
Charge 6% 6% 6% 6% 5% 4% 3% 0%

Other Features

  • Additional .15% added to interest rate on purchase payment and accumulation values over $50,000
  • Competitive Renewal Rates
  • Systematic Withdrawals (surrender charges may apply)
  • Competitive Commissions

Underwriting Guidelines

  • Issue ages: 0-89
  • Policy minimum: $5,000 minimum initial deposit.
  • Additions may be made during the first policy year, but may be limited. A minimum of $500 is required.

Death Benefit

The accumulation value less any applicable premium tax

Licensing Requirements

  • State insurance license
  • Appointed with United of Omaha


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