Best Guaranteed Annuity Rates

NWL Ultra Future (Most States)

Get an annuity today!
Learn how an annuity can provide guaranteed income for life.


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
Fixed Index
Purpose Lifetime Income
Premium Bonus
15 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Minimum contribution
Qualified: $2,000
Non-Qualified: $5,000
Maximum contribution
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
Open brochure

Find out if the NWL Ultra Future (Most States) is the right product for you.


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 Interest
Interest available systematically in lieu of Free Withdrawal option above. Each payment must be at least $100.00. 

Allocation Accounts

Name Type Rates
Option B: 1-Year Fixed Account
3% Fixed
Option A: 1-Year S&P 500 PTP Monthly Average Participation Rate with Asset Fee
Point to Point
Monthly average
58% Participation
Option U: 1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
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%


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)


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

Ready to Protect Your Financial Future?

Request a free quote or talk to our financial expert to get help