3.5%
1-yr guarantee · 1-yr surrender schedule · $25,000+ premium
10%
Free W/D
50
Available jurisdictions
Rates as of August 7, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for SeniorSelect
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Western-Southern Life Assurance Company product.
Live product data
Rates as of August 7, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
3.5% guaranteed for 1 years
A one-year guaranteed-rate annuity from Western-Southern with no multi-year surrender ladder or MVA shown in the live contract data.
Best fit
Buyers who want a short declared-rate period from a strongly rated carrier without a multi-year surrender-charge schedule.
Available guarantee terms
1 year
AM Best
A+ Superior
Surrender period
1 year
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- The live contract data shows no multi-year surrender-charge period and no market value adjustment.
- The issuing company carries a strong financial-strength rating and the contract is broadly available outside the jurisdictions omitted from the live list.
What to confirm
- The current rate is guaranteed for one year. Future renewal rates can change and should be checked when each period ends.
- The product is designed around short declared-rate periods rather than a traditional multi-year lock, so compare its renewal mechanics with true multi-term MYGAs.
Not ideal for
Buyers who want today's rate contractually fixed for several years without annual renewal-rate decisions.
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See how SeniorSelect compares for your age, state, premium, and income goals alongside other Western-Southern Life Assurance Company MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Published rate |
|---|---|---|
| 1-Year | 1-Year schedule | 3.5%Rate convention not stated |
Key Features
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Carrier Ratings
Free Comparison Report
Get a SeniorSelect rate report
See how SeniorSelect compares for your age, state, premium, and income goals alongside other Western-Southern Life Assurance Company MYGA options.