National Western Life Ultra Value Fixed Index Annuity

$2,000.00

National Western Life Ultra Value is a 9-year fixed indexed annuity built to provide you a guaranteed lifetime income. Compare and request a quote.

Product Description

The National Western Life Ultra Value Annuity is a flexible premium deferred annuity. It is a long–term contract intended as a secure planning vehicle for retirement accumulation and income.

The NWL Ultra Value Annuity provides the important benefits of many tax-deferred annuities:

  • interest accumulation
  • safety, tax-deferral
  • liquidity

 

Features and Benefits

Premium Bonus

Premium bonuses are paid on every deposit for the first 5 years.

Optional Withdrawal Benefit Riders

There are optional Withdrawal Benefit Riders that can be added to the NWL Ultra Value annuity at issue.

A charge applies to each rider, and riders may not be available in all states. 

INCOME OUTLOOK WITHDRAWAL BENEFIT RIDER

NWL Income Outlook from National Western Life provides the security of a guaranteed income stream you can not outlive in retirement.

This rider also offers the opportunity for larger income benefits when indexed interest credits increase your annuity’s Account Value.

It also gives you control of your annuity as your needs change and access to your money if needed.

Withdrawal Payments that can be paid for life
• The ability to stop and start Withdrawal Payments
• No withdrawal charges on Withdrawal Payments taken under this rider
• The Withdrawal Payment Base to Step-Up to the annuity’s Account Value*, if larger, when the Withdrawal Period begins and each Policy Anniversary thereafter
• The Maximum Guaranteed Annual Withdrawal Payment increases each time there is a Step-Up in the Withdrawal Payment Base
• Access to the annuity’s Account Value remains
Required Minimum Distribution friendly

INCOME OUTLOOK PLUS 5 WITHDRAWAL BENEFIT RIDER

NWL Income Outlook Plus 5 NH from National Western Life provides the security of a guaranteed income stream you can not outlive in retirement.

This rider also offers the opportunity for larger income benefits when indexed interest credits increase your annuity’s Account Value.

It also gives you control of your annuity as your needs change and access to your money if needed

• Withdrawal Payments that can be paid for life

• The ability to stop and start Withdrawal Payments
• No withdrawal charges on Withdrawal Payments taken under this rider
• The Withdrawal Payment Base to Step-Up to the annuity’s Account Value*, if larger when the Withdrawal Period begins and each Policy Anniversary thereafter
• The Maximum Guaranteed Annual Withdrawal Payment increases each time there is a Step-Up in the Withdrawal Payment Base
• Access to the annuity’s Account Value remains
Required Minimum Distribution friendly

 

Minimum Premium

Maximum Premium

Enhanced Benefits

Contract Length

Company Rating (A.M. Best)

Maximum Issue Age

Accepted Funds

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Insurance Company

Premium Type

Annuitization Required

Annual Penalty-Free Withdrawals

Death Benefit

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Surrender Charge Waivers

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Annual Fees

State Availability

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Cancellation Policy

Liquidity Options

Lifetime Income

Retire in 1 Year, Retire in 2 Years, Retire in 3 Years, Retire in 4 Years, Retire in 5 Years, Retire in 6 Years, Retire in 7 Years

Taxes

Non-Qualified Annuity

Non-qualified funds are cash, checking, savings, life insurance cash value, etc. Only the interest you’ve earned will be taxed as ordinary income as you withdraw money.

Qualified Annuity

Qualified funds are 401k, IRA, SEP, 403b, TSA, etc. Both principal and interest will be taxed as ordinary income as you withdraw money.

Roth IRA Annuity

Withdrawals from Roth IRA annuities are tax-free as long as the IRS requirements are met.

Early-Withdrawals

If you withdraw money from your annuity before you turn age 59.5, you will receive a penalty of 10% plus ordinary income taxes from the IRS.

 

For more information:  How Are Annuities Taxed?

Are Annuities FDIC Insured?

Fixed annuities are not FDIC insured, but they have similar protections for your money. An annuity is an insurance policy guaranteed by the insurance company’s claims-paying ability. The insurance companies are members of the state insurance guarantee associations in each state where they do business. Each state insurance guarantee association protects consumers in the unlikely event that their insurance company fails and defaults on their obligations to their consumers (limits vary per state).

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