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

NWL Pro Dynamic

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Highlights

The NWL Pro 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 Pro Dynamic Annuity provides the important benefits of many tax deferred annuities: interest accumulation, safety, tax-deferral, and liquidity. 
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, 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, RI, SC, SD, TN, TX, UT, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Term
10 Years
Surrender schedule
10%10%10%10%10%9%8%6%4%2%
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 50% if none taken in previous years. IRA Qualified - RMD free of a withdrawal charge in all Policy Years 

Systematic Interest
Interest available systematically in lieu of the Free Withdrawal option above. Each payment must be at least $100.00. See the Policy for details. 

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 J: 1-Year S&P 500 PTP Cap
Point to Point
Annual
4% Cap
Option U: 1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Annual
75% 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

No Riders for NWL Pro 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 at least 180 days after the Policy Date and must not be for a medical condition that involved a prior stay of any length in the two-year period before the Policy Date. The stay must not have been recommended by a physician in the two-year period before the Policy Date. Any withdrawal in excess of 75% of the Account Value will be subject to the Policy’s regular Withdrawal Charge. Benefit terms and/or benefit availability may vary by state. See Policy for complete details and requirements.

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 at least 180 days after the Policy Date and must not be for a medical condition that involved a prior stay of any length in the two-year period before the Policy Date. The stay must not have been recommended by a physician in the two-year period before the Policy Date. Any withdrawal in excess of 75% of the Account Value will be subject to the Policy’s regular Withdrawal Charge. Benefit terms and/or benefit availability may vary by state. See Policy for complete details and requirements.

Terminal Illness

Unavailable in states: CA

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 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. Benefit terms and/or benefit availability may vary by state. See Policy for complete details and requirements.

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