Expert review · 2026

Western United Life review

Annuity Atlas covers 19 Western United Life annuity products with live rates and contract specs. 19 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

B++

Insurer claims-paying rating

Products tracked: 19
MYGA yield (lineup max): 5.75% · 5yr · Navigator Ultra 5-Year MVA
Surrender range: 3–10 years

Rate as of Sep 28, 2026

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Products covered

A.M. Best

B++

Categories covered

MYGA · FIA

19 Western United Life annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
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 →
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 →
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 →
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 →
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 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 →
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 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 →
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 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 →
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 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 →
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 →
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	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	B++	—	—	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	B++	—	—	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	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

B++

A.M. BEST

MYGA5-YR SURRENDER

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

B++

A.M. BEST

MYGA7-YR SURRENDER

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

B++

A.M. BEST

MYGA5-YR SURRENDER

Review →

Navigator Elite 7-Year MVA

Buyers who want a locked 7-year rate with unusually generous withdrawal and death-benefit terms for a MYGA

B++

A.M. BEST

MYGA7-YR SURRENDER

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

B++

A.M. BEST

MYGA3-YR SURRENDER

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

B++

A.M. BEST

MYGA5-YR SURRENDER

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

B++

A.M. BEST

MYGA7-YR SURRENDER

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

B++

A.M. BEST

MYGA7-YR SURRENDER

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

B++

A.M. BEST

MYGA3-YR SURRENDER

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

B++

A.M. BEST

MYGA5-YR SURRENDER

Review →

Discovery 6

Savers who value the no-MVA structure and unusually generous first-year liquidity more than chasing the highest posted rate

B++

A.M. BEST

MYGA6-YR SURRENDER

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

B++

A.M. BEST

MYGA7-YR SURRENDER

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.

B++

A.M. BEST

MYGA3-YR SURRENDER

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

B++

A.M. BEST

MYGA5-YR SURRENDER

Review →

Discovery 3

California residents who want a short, three-year rate lock without index-linked complexity or rider fees

B++

A.M. BEST

MYGA3-YR SURRENDER

Review →

New Horizon 10

Buyers who want principal-protected growth over a full decade without paying for an income rider they won't use

B++

A.M. BEST

FIA10-YR SURRENDER

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

B++

A.M. BEST

FIA7-YR SURRENDER

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

B++

A.M. BEST

FIA10-YR SURRENDER

Review →

New Horizon Plus 7

Buyers who want a low-minimum, principal-protected S&P 500-linked FIA without paying for rider complexity

B++

A.M. BEST

FIA7-YR SURRENDER

Review →

Frequently asked questions

Is Western United Life a good annuity company?

We have reviewed 19 Western United Life products, and A.M. Best rates the carrier B++ for financial strength.

What is the surrender period for Western United Life annuities?

Surrender periods on Western United Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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