National Western Life
Ultra Future
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
15 years
Top yield
1.71%
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 | 3.00% | — | — | 1.71% |
| Option A: Monthly Averaging Annual Reset | Point to Point | — | — | 58.00% | 1.51% |
| Option U: Annual Reset Low Volatility Daily Risk Control | Point to Point | — | — | 110.00% | 1.51% |
Surrender Schedule
Yr 1
19.25%
Yr 2
18.5%
Yr 3
17.75%
Yr 4
16.75%
Yr 5
16%
Yr 6
15.25%
Yr 7
14.5%
Yr 8
13.5%
Yr 9
12.75%
Yr 10
12%
Yr 11
10%
Yr 12
8%
Yr 13
6%
Yr 14
4%
Yr 15
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
- 37 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.