NWL Ultra Future (Most States)
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 Ultra Future - Annuity is a flexible premium tax-deferred 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 (which excludes dividends). Once credited, your gains are guaranteed for the life of the policy!
Policy Loan NQ Contracts Only: Available 30 days after issue, up to 60% of the Contract Value. Must be allocated 100% to Fixed Interest (Option B). Loan Rate is 7.4% in Advance.
Policy Loan NQ Contracts Only: Available 30 days after issue, up to 60% of the Contract Value. Must be allocated 100% to Fixed Interest (Option B). Loan Rate is 7.4% in Advance.
Available in states:
AZ, AR, CA, CO, DC, FL, GA, GU, HI, IA, KS, KY, LA, ME, MD, MI, MS, MO, NE, NH, NM, NC, ND, OH, OK, PR, RI, SD, TN, TX, VT, VI, VA, WV, WI, and WY
Allocation Accounts
Name | Type | Rates |
---|---|---|
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
|
58%
Participation
|
Option U: 1-Year S&P 500 LV DRC 5% ER PTP Participation Rate |
Point to Point
Annual
|
110%
Participation
|
Surrender schedule
Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Penalty | 19% | 19% | 18% | 17% | 16% | 15% | 15% | 14% | 13% | 12% | 10% | 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) |