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Multi-Year Guaranteed Annuity
SeniorSelect — Western-Southern Life Assurance Company
Guarantee terms
1 yr
Free withdrawal
Not published
Market value adj.
Does not apply
Minimum premium
$25,000
Availability
50 jurisdictions (49 states + DC)
Surrender schedule
No-charge option published
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Oct 5, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 1-yearSchedule not publishedHighest | 3.75% | 3.75% | Flat throughout | $103,750+$3,750 interest | -1.85 ptsmedian 5.60% · n=22 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 3.75% grows over 1 year
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 3.75% | +$3,750 | $103,750 |
| Compound-equivalent annual rate over the full term | 3.750% | ||
How the number is calculated
- Product
- SeniorSelect
- Schedule
- 3.75% for 1 year
- Crediting
- Compound interest
- Ending value
- $103,750
- Effective rate
- 3.750% per year
Equivalent: a flat MYGA paying 3.75% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
Published schedule 1 · no surrender charge
The source publishes these contract schedules but does not link them to the selected rate row. Confirm the applicable schedule for the issued contract.
The published contract data says a market value adjustment does not apply.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- A short rate-guarantee period allows regular review of the declared rate.
- Systematic withdrawals are available, subject to the contract rules.
What to confirm
- The current rate guarantee is short; renewal rates can change when that period ends.
- A no-surrender-charge option is published, but its applicability must be confirmed for the issued contract.
- The withdrawal allowance is not specified, so confirm the withdrawal rules before planning regular access.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$25,000 minimum
Maximum not published.
Issue ages
86–100 (annuitant and owner)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Joint life · Single life
Maximum annuitization age: 100 years
Fees and charges
None published
Contract versions
1
Most states · No MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Oct 9, 2026.
State availability
50 jurisdictions (excl. New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.
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