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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

NWL Capital Solutions 10 MVA

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Highlights

NWL Capital Solutions 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. 
NWL Capital Solutions connects today’s retirement goals with the gift of tomorrow’s legacy. With the optional Guaranteed Minimum Death Benefit Rider you can further protect your legacy and the future needs of your beneficiaries. 
Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, GU, HI, ID, 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, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation & Legacy
Term
10 Years
Surrender schedule
9%8%7%6%5%4%3%2%1%1%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
05/08/2023
Minimum contribution
$25,000
Maximum contribution
$1,500,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, Spousal IRA, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch
Brochure
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Find out if the NWL Capital Solutions 10 MVA is the right product for you.

Premium Notes

Premium payment
To purchase NWL Capital Solutions FIA, a minimum premium payment of at least $25,000 is required. The maximum premium payment is $1,500,000. NWL may, at its discretion, credit higher interest rates, participation rates, caps, etc. when the Account Value of the policy is at least $100,000

Issue Age
Annuitant/Owner 0-85: Non-Qualified/Qualified 

Withdrawal Provisions

Accessing your money
You may access your money at any time, although you may incur a Withdrawal Charge for doing so. NWL Capital Solutions FIA comes with a Market Value Adjustment (MVA) Rider (except in California), which may increase or decrease the amount of a withdrawal, depending on the MVA Index. The MVA does not apply to Free Withdrawals.

Withdrawal options 
  • Withdraw up to 10% of the Account Value each Policy Year following the first year.* 
  • Take a systematic withdrawal of interest earnings each Policy Year after the first, as long as each payment is at least $100 and does not invade the principal.* The systematic payments may be paid monthly, quarterly, semi-annually, or annually. 
  • IRA Required Minimum Distributions (RMDs), if applicable, in all Policy Years.* 
  • Terminal Illness or Injury Benefit 
  • Waiver of Withdrawal Charge after Qualifying Medical Stay.* 
*Only one of these options may be elected in the same Policy Year.

At the end of the Contract Term, you may withdraw the full Contract Value or take a partial withdrawal without incurring any Withdrawal Charges. You have the right to keep the Contract Value with NWL until the maximum annuity age of 95. The Minimum Guaranteed Interest Rate will be re-determined and your Contract Value, Account Value and Minimum Guaranteed Contract Value will continue to be calculated as before. Any withdrawals will first be deducted from any amounts allocated to the Fixed Interest Rate strategy, and then proportionately from any amounts allocated to the index strategies. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.75% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.35% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
32% Participation
1-Year DJIA PTP Cap
Point to Point
Annual
9.6% Cap
1-Year DJIA PTP Participation Rate
Point to Point
Annual
32% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
96% Participation
1-Year J.P. Morgan Factor Focus PTP Participation Rate
Point to Point
Annual
112% Participation
2-Year J.P. Morgan Factor Focus PTP Participation Rate
Point to Point
Biennial
149% Participation
1-Year Fixed Account
Fixed
4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
11% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year DJIA PTP Cap
Point to Point
Annual
10.25% Cap
1-Year DJIA PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
105% Participation
1-Year J.P. Morgan Factor Focus PTP Participation Rate
Point to Point
Annual
120% Participation
2-Year J.P. Morgan Factor Focus PTP Participation Rate
Point to Point
Biennial
160% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 8% 7% 6% 5% 4% 3% 2% 1% 1%

Riders

Name Inbuilt Fee
NWL Capital Solutions 10 GMDB Rider (Age 0-75) No 1.15% annually
NWL Capital Solutions 10 GMDB Rider (Age 76-80) No 1.15% annually

Waivers

Hospital

You may withdraw up to 100% of the Account Value after certain medically necessary stays, as outlined in the Policy. The Annuitant must be 75 years or younger on the Policy Date, and each stay must be for at least 90 consecutive days. The stay must be in a hospital and/or nursing facility (as defined in the Policy), and the Annuitant must receive at least intermediate care (as described in the Policy) for 90 consecutive days during the stay. The stay must begin after the Policy Date. Benefit terms and/or benefit availability may vary by state.

Nursing Home

You may withdraw up to 100% of the Account Value after certain medically necessary stays, as outlined in the Policy. The Annuitant must be 75 years or younger on the Policy Date, and each stay must be for at least 90 consecutive days. The stay must be in a hospital and/or nursing facility (as defined in the Policy), and the Annuitant must receive at least intermediate care (as described in the Policy) for 90 consecutive days during the stay. The stay must begin after the Policy Date. Benefit terms and/or benefit availability may vary by state.

Terminal Illness

Upon receiving satisfactory documentation, Withdrawal Charges will be waived for full surrender or partial withdrawal if the Annuitant is first diagnosed after the Policy Date with an illness or injury from which he or she is not expected to recover and is expected to die within twelve (12) months. NWL reserves the right to obtain a second medical opinion at the Company’s expense.

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