Best Guaranteed Annuity Rates

NWL Protector One

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Premium Type
Flexible Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, 401a, TSA 403b, SEP IRA, KEOGH, IRA-Roth, 457 plan, and 1035 Exchange
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The NWL Protector One Annuity is a flexible premium deferred annuity. It is a long-term contract intended as a secure planning vehicle for retirement accumulation and income with a terminal illness benefit. The NWL Protector One Annuity provides the important benefits of any tax deferred annuity: interest accumulation, safety, tax-deferral, and liquidity. The NWL Protector One Annuity is an excellent combination of performance and flexibility.

Premium Payment and Issue Ages
A minimum initial premium payment of $5,000 is required. Additional premium payments of at least $100 can be made. Premium payments in excess of $500,000 may require prior Company approval. 100% of the premium deposits earn interest from the date funds are received at the Company.
If applicable, Federal, State, and Municipal taxes, and any fees or assessments related to the policy, payment of which is required or authorized by law, will be deducted from the benefits under the policy as required or authorized by law.
National Western Life will not issue this annuity if the age of the Annuitant or owner exceeds the maximum issue age, which is published from time to time. If the Owner is not the Annuitant, the maximum Owner age at issue is 85.

Free Withdrawals
10% Account Value once annually INCLUDING the 1st policy year. Cumulative annually to 50%. IRA Qualified - RMD free of a withdrawal charge in all Policy Years

Early Withdrawals Charges
10.00, 10.00, 9.00, 9.00, 7.00, 5.00, 5.00, 5.00, 5.00, 5.00, 0.00 
VAR -  9.00, 8.50, 7.50, 6.50, 5.75, 4.75, 3.75, 2.75, 1.75, 0.75, 0.00 
FL -  12.00, 12.00, 11.00, 11.00, 9.00, 7.00, 7.00, 7.00, 7.00, 7.00, 0.00 

Find out if the NWL Protector One is the right product for you.

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
10 2.75% 1.18% 1.85%


No Riders for NWL Protector One annuity.


Terminal Illness

Upon receiving satisfactory documentation, withdrawal charges and any Market Value Adjustment 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.


Annuitize at Full Accumulation Account on 24th anniversary, for a minimum of 5 years.

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