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Product Details
NWL Ultra Future®
Company social profile:
Product Name
NWL Ultra Future®
Annuity Type
FIA
Issuing Insurance Company and Ratings
National Western Life
Ratings
Product Information
The NWL Ultra Future® Annuity is a flexible premium tax-deferred annuity with a 15 year Surrender Charge Period. The NWL Ultra Future® combines the safety, benefits, and features of traditional fixed interest deferred annuities while at the same time giving you the option of having your credited interest linked in part to the S&P 500 Composite Stock Index (which excludes dividends). Once credited, your gains are guaranteed for the life of the policy!
Key Features
Premium Types: Flexible for Life of the Product
Minimum Premium: Min Single Premium: 5,000 Non-Qual, 2,000 Qualified; Min Flexible Premium: 100
Maximum Premium: 500,000
Free Look Period: 20 Days
Rate Lock Period: N/A
Tax-Qualified: IRA, 401k, KEOGH, Other, NonQual, Pension, TSA 403b, IRA-Roth, IRA-Simple, IRA Rollover, Profit Sharing
Rates
Effective Date: 04/03/2024
Initial Guarantee Period: Fixed Rate 1 Year
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: Min Single Premium: 5,000 Non-Qual, 2,000 Qualified; Min Flexible Premium: 100 - 500,000
Current
1 Year Guarantee Period Annual Yield:
3%
Interest rate start of year 1 through end of year 1:
3%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Each premium payment in the First Policy Year receives a Premium Bonus of 9%, and each premium payment in Policy Years 2-5 receives a Premium Bonus of 7.75%.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in AK AL CT DE ID IL IN MA MT NJ NV NY OR PA SC UT WA
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): Owner: 85 Non-Qual, 85 Qualified; Annuitant: 80 Non-Qual, 80 Qualified
Premium Limits: Each premium payment in the First Policy Year receives a Premium Bonus of 9%, and each premium payment in Policy Years 2-5 receives a Premium Bonus of 7.75%.
State Restrictions: CA,OH: Annuitant 0-54 Non-Qual & Qualified ; Owner 0-85 Non-Qual & Qual; TX: Annuitant 0-55 Non-Qual & Qualified; Owner 0-85 Non-Qual & Qualified; Max issue age is 54 in CA, OH; Max issue age is 55 in TX
