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Best available rate
4.75%
7-yr guarantee · 7-yr surrender schedule · $10,000+ premium
Highest current rate across the available 5-year and 7-year guarantee terms.
View all rates and terms ↓15%
Free W/D
52
Available jurisdictions
Rates as of November 13, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Future Select
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Western United product.
Free withdrawal
15%/yr
Availability
52 jurisdictions (excl. New York)
Minimum premium
$10,000
Available guarantee terms
5 and 7 years
Available surrender terms
5 and 7 years
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See how Future Select compares for your age, state, premium, and income goals alongside other Western United MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 5-Year | 5-Year schedule | Sep 2, 2026 | 4.55%Compound annual rate |
| 7-Year | 7-Year schedule | Sep 2, 2026 | 4.75%Compound annual rate |
Key Features
Free withdrawal
15%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
5-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
After
0%
7-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
Carrier Ratings
Free Comparison Report
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See how Future Select compares for your age, state, premium, and income goals alongside other Western United MYGA options.
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