Western United Life Insurance Company.
Western United Life New Horizon Plus 7
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
7 years
Top yield
1.14%
A.M. Best
B++
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
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 |
|---|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | 2.00% | — | — | 1.14% |
| 1 Year S&P 500 Annual Point to Point with Cap Rate | Point to Point | — | 7.75% | — | 0.86% |
| 1 Year S&P 500 Annual Point to Point with Participation Rate | Point to Point | — | — | 30.00% | 0.86% |
Surrender Schedule
Yr 1
9.3%
Yr 2
8.8%
Yr 3
7.9%
Yr 4
6.9%
Yr 5
5.9%
Yr 6
5%
Yr 7
4%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 80
- Free withdrawal
- 5%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 46 states
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.