Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

NWL ChoiceOptimizer 7 MVA

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.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

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, CO, CT, DE, DC, FL, GA, GU, 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, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.75% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.45% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
30% Participation
1-Year S&P 500 PTP Monthly Average Participation Rate
Point to Point
Annual
Monthly average
60% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.35% Cap
1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year S&P 500 LV DRC 8% ER PTP Participation Rate
Point to Point
Biennial
122% Participation
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
7.7% Performance triggered
1-Year Fixed Account
Fixed
4% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
33% Participation
1-Year S&P 500 PTP Monthly Average Participation Rate
Point to Point
Annual
Monthly average
65% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.5% Cap
1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Annual
160% Participation
2-Year S&P 500 LV DRC 8% ER PTP Participation Rate
Point to Point
Biennial
130% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
8% Performance triggered

Surrender schedule

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