Simulation & Edit Mode
Active Product: Western United – Navigator Elite MVA (3-, 5-, 7-Year Terms)
Western United – Navigator Elite MVA (3-, 5-, 7-Year Terms)
About this product
The Western United Navigator Elite MVA 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.
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
| 3 Years | 4.65% |
| 5 Years | 5.10% |
| 7 Years | 5.10% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $1,000,000.00 | 4.65% |
Features
| Maximum Issue Age | 97 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 | 5.10% |
| 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