Simulation & Edit Mode
Active Product: Western United – Future Select (5-, 7-Year Terms)
Western United – Future Select (5-, 7-Year Terms)
About this product
The Western United Future Select is a single-premium Multi-Year Guaranteed Annuity (MYGA) offering fixed interest rates for 5 or 7 years 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 The contract allows up to 15% of the annuity value to be withdrawn each year without penalty, and it includes a Return of Premium (ROP) feature.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.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 5 Years | 4.20% |
| 7 Years | 4.40% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $1,000,000.00 | 4.20% |
Features
| Maximum Issue Age | 90 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (62), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 4.40% |
| Age | 55 - 62 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 5 |
Lifetime Income Details
Payout Options
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