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NWL Ultra Future (Most States)

Retire with a smile! NWL Ultra Future offers guaranteed returns and peace of mind - just what you need for a carefree retirement. Enjoy a personalized income stream tailor-fit for your golden years.

Goodbye, market risks! Hello, financial stability! And what's more? You can even leave a legacy for your loved ones. With NWL Ultra Future, you're never a step behind.

NWL Ultra Future (Most States)

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Premium Bonus

Term

15 Years

Surrender schedule

19.25%

18.5%

17.75%

16.75%

16%

15.25%

14.5%

13.5%

12.75%

12%

10%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Return Of Premium

Minimum Contribution

Qualified: $2,000
Non-Qualified: $5,000

Maximum Contribution

$500,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, Profit Sharing, IRA, 401a, TSA 403b, SEP IRA, KEOGH, IRA-Roth, 457 plan, and 1035 Exchange

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.

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)

Waivers

No Waivers for NWL Ultra Future (Most States) annuity.

Premium Notes

Premium Payment
A minimum initial premium payment of at least $2,000 (qualified) or $5,000 (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% Account Value once annually AFTER the 1st policy year – systematic withdrawal of interest after 1st policy year, or Required Minimum Distribution in all policy years Systematic InterestInterest available systematically in lieu of Free Withdrawal option above. Each payment must be at least $100.00.

Company Founded: 1956

Excellent Rated Company

National Western Life Insurance Company

Company Ratings

4.6