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 The contract allows up to 15% of the annuity value to be withdrawn each year without penalty, and it includes a Return of Premium (ROP) feature.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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 5 Years | 4.20% |
| 7 Years | 4.40% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $10,000.00 - $1,000,000.00 | 4.2% |
| Features | |
| Maximum Issue Age | 90 years |
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