NWL Impact 10
In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.
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The NWL Impact 10 annuity is a flexible premium tax deferred indexed annuity that 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. Once credited, your gains are guaranteed for the life of the policy!
Available in states:
AL, AZ, AR, CO, DC, FL, GA, GU, HI, IL, IA, KS, KY, LA, ME, MD, MI, MS, MO, MT, NE, NH, NM, NC, ND, PR, RI, SD, TN, VT, VI, VA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| Option U: 1-Year S&P 500 LV DRC 5% ER PTP Participation Rate |
NWL Option U
Annual
|
109%
Participation
|
| Option B: 1-Year Fixed Account |
Fixed
|
3%
Fixed
|
| Option A: 1-Year S&P 500 PTP Monthly Average Participation Rate with Asset Fee |
Point to Point
Annual
Monthly average
|
57%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 10% | 10% | 10% | 10% | 10% | 9% | 8% | 6% | 4% | 2% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Income Outlook Plus 5 NH (Withdrawal Benefit Rider) | No | 1.50% annually (2.00% max) |
| Income Outlook NH | No | 1.00% annually (2.00% max) (limited to interest) |