What is the minimum guaranteed surrender value for Western United – Discovery (3-Year, CA Only)?

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.

What is the minimum premium amount for Western United – Discovery (3-Year, CA Only)?

The minimum premium amount is $10,000.

What is the maximum issue age for Western United – Discovery (3-Year, CA Only)?

The maximum issue age is 99 years.

What is the current interest rate for Western United – Discovery (3-Year, CA Only)?

The current interest rate is 4.25%.

What is the surrender charge schedule for Western United – Discovery (3-Year, CA Only)?

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.

What are the best rates available for Western United – Discovery (3-Year, CA Only)?

The best available rate is 4.25% for a 3 year term.

Western United

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

About this product

The 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years

4.25%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $1,000,000.00

4.25%

Features
Maximum Issue Age	99 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage