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Surrender charges are higher than the Navigator Elite version and begin at 9% in the first year. An MVA applies during the term and may adjust surrender values upward or downward.

No ongoing administrative or contract charges. The only potential costs are the scheduled surrender charges and any MVA adjustment during the guarantee period.

 to make changes or withdraw without penalty.

None. No penalty-free withdrawal provision is available under this contract.

Available for both qualified and non-qualified funds. Issued as a single-premium deferred annuity.

Issued by Western United Life Assurance Company, the Navigator Ultra MVA is available for both qualified and non-qualified accounts. It requires a minimum premium of $10,000 for all terms, with issue ages up to 75. The death benefit is the surrender value, not the full account value, which distinguishes it from other Western United products. No Return of Premium (ROP) feature is included.

Contracts automatically renew into a new guarantee period at Western United’s then-current declared rates. 

 applies for policyholders to make changes or fully withdraw without penalty.

Equals the accumulation value minus applicable surrender charges and MVA (if applicable). After the guarantee period ends, the full accumulation value is available without penalty.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed for clients seeking higher declared rates in exchange for reduced liquidity. It provides fixed interest rates over 3, 5, or 7 yearswith principal protection. Unlike other Western United MYGAs, 

the Ultra does not include a penalty-free withdrawal allowance, and the death benefit is based on the surrender value

 applies during the guarantee period and may adjust surrender values up or down depending on market conditions. Contracts renew automatically at maturity, with a 

 for changes or full withdrawal without penalty.

Declining surrender charges apply during the guarantee period, starting at 8% and reducing annually. California versions use a slightly lower schedule. MVA applies during the term and may increase or decrease the surrender value depending on interest rate movements.

No optional riders are offered; standard MVA and renewal provisions apply.

Beneficiaries receive the full annuity value, payable without reduction for surrender charges.

Includes automatic contract renewal with a 

to make changes or withdrawals without penalty.

10% of the annuity value per contract year

Available for both qualified and non-qualified plans. Issued as a single-premium deferred annuity.

Issued by Western United Life Assurance Company, the Navigator Elite MVA is available for both qualified and non-qualified funds. The minimum premium is $10,000 for all terms, with issue ages up to 97 for the 3-year and up to 84 for the 5- and 7-year contracts. Upon death, beneficiaries receive the full annuity value as the death benefit, payable without surrender charges. No Return of Premium (ROP) is included.

Contracts automatically renew at maturity into a new guarantee period at Western United’s then-current declared rate. A 

 applies, during which funds may be withdrawn or reallocated without penalty.

During the guarantee period, the surrender value equals the accumulation value minus applicable surrender charges and MVA. After the term ends, the full accumulation value is available without penalty.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) offering fixed interest rates for 3, 5, or 7 years with full protection of principal. It provides stable, tax-deferred growth along with penalty-free access to 10% of the annuity value each year. The product 

includes a Market Value Adjustment (MVA)

, which may increase or decrease surrender values depending on market conditions. At the end of the guarantee period, contracts automatically renew into a new term at current rates, with a 45-day grace period to withdraw without penalty.

Withdrawals above the 15% allowance, or full surrender during the guarantee period, are subject to declining surrender charges, beginning at 8% and decreasing annually by term length.

No optional riders are available. The product is issued as a straightforward MYGA with ROP included.

None. The only costs are the scheduled surrender charges if withdrawals exceed the free-withdrawal allowance.

, allowing policyholders to recover their initial investment, less any withdrawals, if the contract is surrendered before maturity.

15% of the annuity value per calendar year 

Available for both qualified and non-qualified funds.

Issued by Western United Life Assurance Company, Future Select is available for both qualified and non-qualified funds. It requires a minimum premium of $10,000 for all terms, with issue ages up to 90 for the 5-year option and 84 for the 7-year option. Upon death, beneficiaries receive the annuity value as the death benefit, payable without surrender charges. The contract includes a Return of Premium (ROP) guarantee, ensuring that the original purchase payment, less withdrawals, is available at any time.

The Future Select does not automatically renew. At the end of the guarantee period, policyholders may withdraw funds, reinvest into a new contract, or annuitize without penalty.

During the guarantee period, the surrender value equals the accumulation value minus applicable surrender charges. With ROP, the purchase payment (minus withdrawals) is always protected. After the term ends, the full accumulation value is available without penalty.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) offering fixed interest rates for 

 with full protection of principal. It is designed for clients who want predictable growth with enhanced liquidity and flexibility. The contract allows up to 15% of the annuity value to be withdrawn each year without penalty, and it 

includes a Return of Premium (ROP) feature.

 No Market Value Adjustment (MVA) applies, and the product does not renew automatically. At the end of the selected guarantee period, policyholders may fully withdraw or reinvest their accumulation value without penalty.

Declining surrender charges apply for the length of the guarantee period. Withdrawals in excess of accrued interest or RMDs will trigger charges.

No optional riders are available with this product. The contract is issued as a straightforward fixed annuity without add-on features.

No administrative or ongoing contract charges. The only costs that may apply are the scheduled surrender charges during the guarantee period.

The Discovery Plus contract does not include additional benefit waivers such as terminal illness, nursing home confinement, or unemployment. Liquidity is limited to interest and RMD withdrawals only.

Policyholders may withdraw accrued interest or RMDs each year without penalty. No additional percentage-based free-withdrawal amount is included.

Issued by Western United Life Assurance Company, the Discovery Plus MYGA is available for both qualified and non-qualified accounts. It requires a minimum premium of $10,000 across all terms, with issue ages extending up to 99 on the 3-year term and up to 84 on the 5- and 7-year terms. Beneficiaries receive the annuity value as the death benefit, payable without surrender charges. The product does not include Return of Premium (ROP), MVA, or automatic renewal provisions.

The Discovery Plus MYGA does not automatically renew. At the end of the guarantee period, policyholders may withdraw, reinvest into a new contract, or annuitize without penalty.

Equals the accumulation value minus applicable surrender charges during the guarantee period. After the term ends, the full accumulation value is available without penalty.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) that provides fixed, guaranteed interest rates for 3, 5, or 7 years. It offers principal protection, predictable tax-deferred growth, and penalty-free access to earned interest or required minimum distributions (RMDs). Unlike the Discovery contract, the Discovery Plus does not provide a 15% free-withdrawal provision, but it does maintain the same protection from Market Value Adjustments (MVA). The contract does not renew automatically, ensuring full access to funds at maturity.

Withdrawals beyond the free-withdrawal allowance, or full surrender during the guarantee period, are subject to declining surrender charges. Charges decrease each year until the end of the term, at which point they no longer apply.

None. The only potential costs are the scheduled surrender charges if withdrawals exceed the free-withdrawal allowance.

No additional waivers or special provisions are included.

Policyholders may withdraw up to 15% of the annuity value per calendar year without penalty, or RMDs if greater.

Issued by Western United Life Assurance Company, the Discovery MYGA is available for both qualified and non-qualified funds. Minimum premium amounts vary by term, with a higher threshold for the 6-year contract. Issue ages extend up to 84. Upon death, beneficiaries receive the full annuity value, payable without surrender charges. This product does not include Return of Premium (ROP), MVA, or automatic renewal features.

The Discovery MYGA does not automatically renew. At maturity, policyholders may withdraw, reinvest in a new contract, or annuitize without penalty.

During the selected guarantee period, surrender value equals the accumulation value minus applicable surrender charges. After the guarantee period ends, the full value is available without penalty.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) that provides fixed interest rates and full protection of principal over guarantee periods of 5, 6, or 7 years 

(a 3-Year option is available exclusively in California)

. It offers tax-deferred growth and penalty-free access to a portion of the annuity value each year. No Market Value Adjustment (MVA) applies, and the product does not automatically renew at maturity. At the end of the selected term, the accumulation value is fully available without penalty, giving policyholders the flexibility to withdraw or reinvest.

Surrender charges apply to withdrawals beyond interest or RMDs, beginning at 6% in the first year and declining each subsequent year. After the third year, no surrender charges apply.

None. The only costs are surrender charges if withdrawals exceed the free allowance during the 3-year term.

Policyholders may withdraw interest earnings or RMDs annually without penalty. No percentage-based free withdrawal allowance applies to this contract.

Available for both qualified and non-qualified plans, including IRAs. It is issued as a single-premium deferred annuity.

Issued by Western United Life Assurance Company, this annuity is available for both qualified and non-qualified funds. It requires a minimum premium of $10,000 and is open to applicants up to age 99. No additional premiums are permitted after issue. Beneficiaries receive the full annuity value as the death benefit, payable in full and without surrender charges. The Discovery 3-Year does not include Return of Premium (ROP), MVA, or automatic renewal provisions.

The Discovery 3-Year does not include automatic renewal. At the end of the guarantee period, policyholders may fully withdraw their accumulation value, reinvest into a new contract, or annuitize without penalty.

During the three-year term, surrender value equals the accumulation value minus applicable surrender charges. After the term ends, the full accumulation value is available without penalty.

Western United Discovery (3-Year, California Only) 

is a single-premium MYGA offering a fixed, guaranteed interest rate for 3 years with full principal protection. It provides stable, tax-deferred growth and allows penalty-free withdrawals of earned interest or required minimum distributions (RMDs). No Market Value Adjustment (MVA) applies, and the contract does not automatically renew. At maturity, the entire annuity value is available without penalty.

Western United – Navigator Ultra MVA (3-, 5-, 7-Year Terms)

Western United – Navigator Elite MVA (3-, 5-, 7-Year Terms)

Western United – Future Select (5-, 7-Year Terms)

Western United – Discovery Plus (3-, 5-, 7-Year Terms)

Western United – Discovery (5-, 6-, 7-Year Terms)

Western United – Discovery (3-Year, CA Only)