S&P 500® Performance: Annual Returns
The S&P 500® Price Return Index tracks 500 large, publicly traded U.S. companies and is widely used as a benchmark for the overall U.S. equity market. Reviewing historical performance can help provide market context, though past performance does not guarantee future results.
A Look at 50 Years of Performance
(1976 – Current)
| Number of Years | Percentage of Years | Average Return | |
|---|---|---|---|
|
All Years |
50 |
100% |
10.28% |
|
Positive |
38 |
76% |
17.23% |
|
Negative |
12 |
24% |
-11.73% |
Source: Morningstar, morningstar.com; accessed 1/15/26.
For illustrative purposes. A fixed indexed annuity is not a security and is not an investment in the stock market.
United Life offers a range of annuity products featuring S&P 500® Index crediting strategies, along with a diverse selection of other thoughtfully designed index options. A financial professional can help determine which product and index options may be suitable based on your individual needs and circumstances.
The S&P 500® Price Return Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by United Life Insurance Company. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes. United Life Insurance Company’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates. None of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.
Not FDIC/NCUA insured • Charges may apply • Not bank/CU guaranteed • Not a deposit • Not insured by any federal agency • May go down in value when surrender charges are applied.
Insurance product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.
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