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Distributions that exceed the 10% penalty-free withdrawal allowance are subject to a surrender fee starting at 8% in the first contract year and decreasing by one percent each year until the eighth year, after which no surrender charges apply. No surrender penalties are assessed once the initial term has ended

Distributions that exceed the 10% penalty-free withdrawal allowance are subject to a surrender fee starting at 8% in the first contract year and decreasing by one percent each year until the eighth year, after which no surrender charges apply. No surrender penalties are assessed once the initial term has ended.

Upon the death of the owner, the beneficiary receives the full account value as the death benefit.

Living Benefit Riders are included at no additional cost.

The contract allows up to 10% of the account value to be withdrawn each contract year without penalty.

The annuity is available in both qualified plans, such as IRA, Roth IRA, and 401(k) rollovers, as well as non-qualified accounts funded with after-tax money.

The annuity allows individuals to make a single premium payment and guarantees a fixed return for the chosen term. Interest is compounded daily, and contract owners may take penalty-free withdrawals annually up to 10%. It is available in both qualified and non-qualified plans, supports joint spousal ownership, and includes a death benefit equal to the full account value. At the end of the term, surrender penalties no longer apply.

No surrender penalties apply after the initial term, and at renewal the annuity continues without withdrawal charges.

The surrender value is equal to the account value reduced by any applicable surrender charges on withdrawals above the free withdrawal amount.

Western Catholic Union Multi-Year Guarantee Annuity (MYGA)

 is designed to provide a guaranteed fixed interest rate for a set period, offering secure growth with tax deferral. It is available in 3, 4, or 5-year terms with competitive fixed annual percentage yields, making it a reliable choice for conservative savers seeking predictable accumulation without market risk 

Western Catholic Union – MYGA (3-, 4- and 5-year terms)