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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

NWL Core Dynamic

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Highlights

The NWL Core Dynamic Annuity is a flexible premium deferred fixed indexed annuity. It is a long-term contract intended as a secure planning vehicle for retirement accumulation and income. The NWL Core Dynamic Annuity provides the important benefits of many tax-deferred annuities: interest accumulation, safety, tax deferral, and liquidity.

Asset Fee Rate
The Asset Fee Rate is a percentage that is subtracted from the index change before interest is calculated. The Asset Fee Rate is guaranteed never to be greater than the Maximum Asset Fee Rate for the respective strategy. 
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, 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
Term
7 Years
Surrender schedule
9%9%8%7%6%5%4%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Minimum contribution
Qualified: $5,000
Non-Qualified: $10,000
Maximum contribution
$500,000
Max Age Qualified
90
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, 401a, TSA 403b, SEP IRA, KEOGH, IRA-Roth, 457 plan, and 1035 Exchange
Brochure
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Premium Notes

Premium Payment
A minimum initial premium payment of at least $5,000 (qualified) or $10,000 (non-qualified) is required. Additional premium payments of at least $100 can be made. 
Any premiums received more than 20 calendar days after the issue date, or after any subsequent Policy Anniversary, will earn the non-indexed fixed interest rate until the next Policy Anniversary. 

Withdrawal Provisions

Free Withdrawals
10% of the Account Value once annually after the 1st Policy Year, cumulative to a maximum of 20% if none taken in previous years. IRA Qualified - RMD free of a withdrawal charge in all Policy Years 

Allocation Accounts

Name Type Rates
Option B: 1-Year Fixed Account
Fixed
2.1% Fixed
Option A: 1-Year S&P 500 PTP Monthly Average Participation Rate with Asset Fee
Point to Point
Annual
Monthly average
20% Participation
6% Spread
Option D: 1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.5% Cap
Option U: 1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Annual
75% Participation
Option J: 1-Year S&P 500 PTP Cap
Point to Point
Annual
4% Cap

Surrender schedule

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

Riders

No Riders for NWL Core Dynamic annuity.

Waivers

Hospital

Unavailable in states: CA

You may withdraw up to 75% of the Account Value without a Withdrawal Charge 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. Any withdrawal in excess of 75% of the Account Value will be subject to the Policy’s regular Withdrawal Charge.

Nursing Home

Unavailable in states: CA

You may withdraw up to 75% of the Account Value without a Withdrawal Charge 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. Any withdrawal in excess of 75% of the Account Value will be subject to the Policy’s regular Withdrawal Charge.

Terminal Illness

Unavailable in states: CA, and PR

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. National Western Life reserves the right to obtain a second medical opinion at the Company’s expense.

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