Navigator Elite MVA (3-Year)
Navigate your retirement journey with confidence using Navigator Elite MVA. This 3-Year Annuity from Western United Life is a safe and secure choice. Your premium and interest are 100% guaranteed and the company legally maintains reserves equal to your annuity value. Plus, no sales charges or set-up fees will nibble away at your investment!
The tax-deferred growth ensures your money works for you immediately. You can choose a guarantee period of 3, 5, or 7 years with a minimum guaranteed interest rate of 1.00%. The minimum premium is $10,000, making it accessible for many. Also, there is a range of convenient distribution options and beneficial tax qualifications. Invest in peace of mind with Navigator Elite MVA!
Navigator Elite MVA (3-Year)
About Product
MYGA Interest Rates
| Term |
Rate
Annual percentage yield (APY)
earned over the investment term |
|---|---|
| 3 years | 4.6% |
Annuitant’s Actual Issue Age
- 0-97
- $10,000 - $1,000,000
- Non-Qualified;
- IRA including Roth, SEP, Simple, & Traditional.
- TSP accepted as a rollover to IRA
- Inherited/Beneficiary IRA usually taken as a direct transfer
Your Navigator Elite MVA annuity includes a Market Value Adjustment (MVA). This feature allows us to offer a higher guaranteed interest rate on your annuity than a plan without an MVA. This adjustment may increase or decrease the amount you receive, and depends on daily changes in the Constant Maturity Treasury1 (CMT) rates from your contract date. If you do not annuitize, surrender, or withdraw more than the penalty-free amount during the surrender charge period, the MVA will not affect the value of your annuity.
Riders
No Riders for Navigator Elite MVA (3-Year) annuity.
Waivers
Death
Surrender Charges are waived upon death of the Annuitant.
Terminal Illness
Allows your client to surrender their entire annuity value free of surrender charges if the annuitant is diagnosed with a terminal illness. The diagnosis must result in a life expectancy of 12 months or less.
Surrender Window
After the initial guarantee period, you will have a 45-day grace period from the beginning of each subsequent guarantee period to surrender your contract without surrender charges or applicable MVA. We will send you a reminder at least 45 days before the end of each guarantee period.
- A.M. Best B++
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