NWL ChoiceOptimizer 5 Rate & Reviews

NWL ChoiceOptimizer 5

The NWL ChoiceOptimizer is a deferred annuity, meaning that income payments don’t start immediately after you pay the premium. Instead, your money may accumulate on a tax-deferred basis until a later date, when you may take it as a lump sum or in the form of regular payments.
It is a single premium annuity, meaning that you pay a one-time premium payment.
It is a Fixed Indexed Annuity, meaning that the value is subject to fixed minimum guarantees, and will never decline due to index movement alone.
All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.9% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	10.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	31% Participation
1-Year S&P 500 PTP Monthly Average Participation Rate	Point to Point Annual Monthly average	54% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.25% Cap
1-Year S&P 500 LV DRC 5% ER PTP Participation Rate	Point to Point Annual	171% Participation
2-Year S&P 500 LV DRC 8% ER PTP Participation Rate	Point to Point Biennial	158% Participation
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	6.95% Performance triggered
1-Year Fixed Account	Fixed	4.15% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	11.05% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	33% Participation
1-Year S&P 500 Performance Trigger	Point to Point Annual	7.35% Performance triggered
1-Year S&P 500 PTP Monthly Average Participation Rate	Point to Point Annual Monthly average	57% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.7% Cap
1-Year S&P 500 LV DRC 5% ER PTP Participation Rate	Point to Point Annual	181% Participation
2-Year S&P 500 LV DRC 8% ER PTP Participation Rate	Point to Point Biennial	166% Participation

Surrender schedule

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