Simulation & Edit Mode
Active Product: Western United – Navigator Ultra MVA (3-, 5-, 7-Year Terms)
Western United – Navigator Ultra MVA (3-, 5-, 7-Year Terms)
About this product
The Western United Navigator Ultra MVA 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. An MVA (Market Value Adjustment) applies during the guarantee period and may adjust surrender values up or down depending on market conditions. Contracts renew automatically at maturity, with a 30-day grace period for changes or full withdrawal 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 | 5.85% |
| 5 Years | 5.25% |
| 7 Years | 5.25% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $1,000,000.00 | 5.85% |
Features
| Maximum Issue Age | 75 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 | 5.25% |
| 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