National Western Life
Ultra Classic
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
13 years
Top yield
1.27%
A.M. Best
A-
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| Option B: Fixed Account | Fixed | 4.50% | — | — | 1.27% |
| Option A: Monthly Averaging Annual Reset | Point to Point | — | — | 67.00% | 0.92% |
| Option J: Annual Point-to-Point with Cap and Charge | Point to Point | — | 5.75% | — | 0.92% |
| Option U: Annual Reset Low Volatility Daily Risk Control | Point to Point | — | — | 120.00% | 0.92% |
Surrender Schedule
Yr 1
15%
Yr 1
14.5%
Yr 1
11.75%
Yr 1
15%
Yr 1
12.5%
Yr 1
14.25%
Yr 1
15%
Yr 1
13.5%
Yr 1
12.5%
Yr 1
15%
Yr 1
13.25%
Yr 2
12.5%
Yr 2
14.75%
Yr 2
11.75%
Yr 2
12.75%
Yr 2
14.75%
Yr 2
13.25%
Yr 2
11.75%
Yr 2
14.75%
Yr 2
10.75%
Yr 2
13.75%
Yr 2
14.25%
Yr 3
13.25%
Yr 3
12.75%
Yr 3
10%
Yr 3
14%
Yr 3
11%
Yr 3
12.5%
Yr 3
14%
Yr 3
11.75%
Yr 3
10.75%
Yr 3
14%
Yr 3
11.75%
Yr 4
10.75%
Yr 4
13%
Yr 4
10%
Yr 4
11%
Yr 4
13%
Yr 4
11.75%
Yr 4
10%
Yr 4
13%
Yr 4
9%
Yr 4
12%
Yr 4
12.5%
Yr 5
11.75%
Yr 5
11.25%
Yr 5
8.25%
Yr 5
12.25%
Yr 5
9.25%
Yr 5
10.75%
Yr 5
12.25%
Yr 5
10.25%
Yr 5
9%
Yr 5
12.25%
Yr 5
10%
Yr 6
9%
Yr 6
11.25%
Yr 6
8.25%
Yr 6
9.25%
Yr 6
11.25%
Yr 6
10%
Yr 6
8.25%
Yr 6
11.25%
Yr 6
7.25%
Yr 6
10.25%
Yr 6
10.75%
Yr 7
10%
Yr 7
9.5%
Yr 7
6.5%
Yr 7
10.5%
Yr 7
7.5%
Yr 7
9%
Yr 7
10.5%
Yr 7
8.5%
Yr 7
7.25%
Yr 7
10.5%
Yr 7
8.25%
Yr 8
7.25%
Yr 8
9.75%
Yr 8
6.5%
Yr 8
7.5%
Yr 8
9.75%
Yr 8
8.25%
Yr 8
6.5%
Yr 8
9.75%
Yr 8
5.5%
Yr 8
8.5%
Yr 8
9%
Yr 9
8.25%
Yr 9
7.75%
Yr 9
4.5%
Yr 9
8.75%
Yr 9
5.5%
Yr 9
7.25%
Yr 9
8.75%
Yr 9
6.5%
Yr 9
5.5%
Yr 9
8.75%
Yr 9
6.5%
Yr 10
5.5%
Yr 10
8%
Yr 10
4.5%
Yr 10
5.75%
Yr 10
8%
Yr 10
6.5%
Yr 10
4.75%
Yr 10
8%
Yr 10
3.75%
Yr 10
6.75%
Yr 10
7.25%
Yr 11
6%
Yr 11
6%
Yr 11
2.75%
Yr 11
6%
Yr 11
3.75%
Yr 11
5.5%
Yr 11
6%
Yr 11
4.75%
Yr 11
3.75%
Yr 11
6%
Yr 11
4.5%
Yr 12
3.75%
Yr 12
4%
Yr 12
2.75%
Yr 12
4%
Yr 12
4%
Yr 12
4%
Yr 12
2.75%
Yr 12
4%
Yr 12
1.75%
Yr 12
4%
Yr 12
4%
Yr 13
2%
Yr 13
2%
Yr 13
0.75%
Yr 13
2%
Yr 13
2%
Yr 13
2%
Yr 13
2%
Yr 13
2%
Yr 13
1.75%
Yr 13
2%
Yr 13
2%
Product Specifications
- Minimum premium (non-qualified)
- $5,000
- Minimum premium (qualified)
- $2,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- false
- Return of premium
- false
- States available
- 35 states
Income Riders
Income Outlook
Withdrawal age: 60.0 Min
Income Outlook NHGMWB
Withdrawal age: 60.0 Min
Income Outlook Plus 5GMWB
Withdrawal age: 60.0 Min
Income Outlook Plus 5 NH
Withdrawal age: 60.0 Min
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.