| Navigator Elite 7-Year MVA Buyers who want a locked 7-year rate with unusually generous withdrawal and death-benefit terms for a MYGA | MYGA | 7yr | B++ | — | — | Review → |
| Discovery Plus 5-Year Savers who want the higher rate in Western United Life's Discovery lineup and don't expect to need routine access to the money before the surrender period ends | MYGA | 5yr | B++ | — | — | Review → |
| Discovery Plus 3-Year Conservative savers who want a short, locked-rate guarantee with no market-value-adjustment risk and don't need routine access beyond interest or RMDs. | MYGA | 3yr | B++ | — | — | Review → |
| Discovery Plus 7-Year Buyers who want Western United Life's highest current 7-year locked rate and don't need routine access to principal beyond interest earned or an RMD | MYGA | 7yr | B++ | — | — | Review → |
| Future Select 5 Conservative savers who want a full-premium MGSV floor, immediate 15% liquidity, and no market value adjustment risk, and who are comfortable with a mid-tier carrier rating | MYGA | 5yr | B++ | — | — | Review → |
| Navigator Elite 3-Year MVA Buyers who want a short guaranteed-rate commitment but still want penalty-free access to funds and a death benefit that isn't clipped by surrender charges or an MVA | MYGA | 3yr | B++ | — | — | Review → |
| Navigator Elite 5-Year MVA Savers who want a competitively priced 5-year locked rate with real first-year liquidity and are comfortable holding a B++-rated carrier | MYGA | 5yr | B++ | — | — | Review → |
| Future Select 7 Savers who want a full 7-year locked rate with an unusually generous free-withdrawal allowance and no market value adjustment risk | MYGA | 7yr | B++ | — | — | Review → |
| Discovery 5 Buyers who want a five-year locked rate with unusually generous annual liquidity and are comfortable holding a contract at a B++ rated carrier | MYGA | 5yr | B++ | — | — | Review → |
| Discovery 7 Conservative savers with at least $10,000 who want a locked 7-year rate, no fees, and easier-than-average access to their own money along the way | MYGA | 7yr | B++ | — | — | Review → |
| Navigator Ultra 5-Year MVA Buyers who want the highest guaranteed rate in Western United Life's Navigator lineup and are certain they won't need the money for the full five years | MYGA | 5yr | B++ | — | — | Review → |
| Navigator Ultra 7-Year MVA Buyers with genuinely long-term, untouchable savings who want the highest locked rate in the Navigator lineup and don't need any access to the money for seven years | MYGA | 7yr | B++ | — | — | Review → |
| Discovery 6 Savers who value the no-MVA structure and unusually generous first-year liquidity more than chasing the highest posted rate | MYGA | 6yr | B++ | — | — | Review → |
| New Horizon 7 Buyers who want a straightforward, single-index accumulation FIA with immediate free-withdrawal access and don't need an income rider | FIA | 7yr | ★ 3.5 | — | — | Review → |
| New Horizon Plus 10 Buyers with genuinely 10-year money who are comfortable crediting solely off the S&P 500 and don't need to touch this contract during year one | FIA | 10yr | ★ 3.5 | — | — | Review → |
| New Horizon Plus 7 Buyers who want a low-minimum, principal-protected S&P 500-linked FIA without paying for rider complexity | FIA | 7yr | ★ 3.5 | — | — | Review → |
| Discovery 3 California residents who want a short, three-year rate lock without index-linked complexity or rider fees | MYGA | 3yr | B++ | — | — | Review → |
| New Horizon 10 Buyers who want principal-protected growth over a full decade without paying for an income rider they won't use | FIA | 10yr | ★ 3.4 | — | — | Review → |
| Navigator Ultra 3-Year MVA Conservative savers who want a short, three-year rate lock and are comfortable letting the money sit untouched until the term ends | MYGA | 3yr | B++ | — | — | Review → |
