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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 5.85% |
| 5 Years | 5.25% |
| 7 Years | 5.25% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $10,000.00 - $1,000,000.00 | 5.85% |
| Features | |
| Maximum Issue Age | 75 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