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NWL Ultra Future (Most States)

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.

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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
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)