This page is provided to show you the amount of detailed information we provide to our subscribers, the content has been masked.  To see full details, please register.
  • See unprotected sample products
  • More products from this carrier and other related links


  • National Western Life


    NWL Protector One


    A Fixed Annuity with a 1-year fixed rate and a 10-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Standard & Poor's:  A-  

    Rates
    The interest rate is guaranteed for 1 years
    Surrender charges last 10 years
    Last Rate Change: xx/xx/xxxx
    Next Rate Change: xx/xx/xxxx
      Previous Rates
    xx/xx/xxxx
    Current Rates
    xx/xx/xxxx
      RateBonus Yield to
    Surrender
    RateBonus Yield to
    Surrender
    Band 5,000+   ****   *****   *****   ****   *****   ***** 

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    The @annuityname@ Annuity is a flexible premium deferred annu --[ subscription required to view full text ]--
    *** @***********@ ******* ** * ******** ******* ******** ******* **** * @*******@ **** ********* ****** ******. ** ** * ****-**** ******** ******** ** * ****** ******** ******* *** ********** ************ *** ****** **** * ******** ******* *******. *** @***********@ ******* ******** *** ********* ******** ** *** *** ******** *******: ******** ************, ******, ***-********, *** *********. *** @***********@ ******* ** ** ********* *********** ** *********** *** ***********.

    ********** *****
    ******* ******** **** *** @***********@ ******* ***** * *****-**** ******** **** ** @*********************@%, ********* ** * ***** **** **** **** ** @********@% ***** ** ********* ** *****-**** **** ********** ******** ** @**************************@%. *** *****-**** **** **** *** *****-**** ********** ******** *** ********** *** *** ***** ****** ******. ********* **** ********** ********, *** ***** **** ** ******** ******** ** *** ***** **** **** ** ****** **** *** ********** ***** *** *****. ***** *** ***** *********** ****, ******* ***** **** ** ******** **** **** ** **** *** *** ******* ** ******, *** *** ********** ** ***** ** **** **** @*********@% ********** ******** ****** *** ******** ******.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    MVA Explanation
    Not available in AL MD PR

    If withdrawals are made during the first 10 Policy Years, National Western Life mak --[ subscription required to view full text ]--
    ** *********** *** **** ****** *** ***** ** ****** *****, ******** ******* **** ***** * ****** ***** ********** ** *** ************ *******. *** **** ********* ***** ** ******* ** *** ****** ***** ******** **** ** *** **** ** ********** **** *.**% ** ******* **** *** ****** ***** ******** **** ** *****. *** **** ********* ***** ** ********* ** *** ****** ***** ******** **** ** *** **** ** ********** **** *.*% ** **** **** *** ****** ***** ******** **** ** *****. **** ********** ******** ******* ** *** ******** **** *********** ***** *** ****** *** ******.

    *** ****** ***** ******** **** ***** ** *** ****** ** ******** ** *** ****** ***** ******** **** ** * ******* ****** ***** ****** ** *** **** ** **********. *** ****** ******* *** * ******* ********** ** * **** ********** ** *** **** ********* ***** *** ** ******** ** ** **** ***** ** *** ********** ******* *** *** ***** *** **** *** **** ********* ** *** ** **** ****** ***** ********** ******. ***** *** ****** ***** ********** ** **** ** *** ************ *******, ** ** ********** **** ** *** ****** ** *** **********. *** ****** ***** ********** ****** ********** ** *** ************ ******* **** ***** ** **** **** ******** **** **** ******* ***********, *********** ** *** ******* ********** ******** **** (********* @*********@%).

    *** ****** ***** ********** **** *** ***** ** *** *******-**** *********** ********* *** ** *** *********:

    • ********** ********** ** ******** ********
    • ****** ******** **** ***** * ********** ******
    • ******** ******* *******
    • ***** *******, **
    • ***** ** ***** **** *** **** ** *****.

    Commissions
    Effective date of commission schedule: 06/30/2021
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Non-Qualified

    NWL Protector One
    (All approved states except those listed below)
    Up to age 65 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 66-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 76-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    CT MD NV OH SC TX UT
    Up to age 65 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 66-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 76-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    PR
    Up to age 65 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 66-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 76-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****

    Qualified

    NWL Protector One
    (All approved states except those listed below)
    Up to age 65 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 66-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    CT MD NV OH SC TX UT
    Up to age 65 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 66-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    PR
    Up to age 65 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****
    Ages 66-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** ****

    Related Information

    Other National Western Life Products

    Fixed Indexed Annuity
    NWL IMPACT
    NWL IMPACT 10®
    NWL IMPACT 7®
    NWL IMPACT 7S®
    NWL Ultra Classic®
    NWL Ultra Future®
    NWL Ultra Future® - State Variation
    NWL Ultra Value®
    NWL® Choice Optimizer 5
    NWL® Choice Optimizer 5 CA
    NWL® Choice Optimizer 7
    NWL® Choice Optimizer 7 CA
    NWL® Core Dynamic
    NWL® Pro Dynamic
    SPIA
    SPIA

    Available Subscriptions

    This information is available with any of these subscriptions:

    Single-User Edition

    An affordable, full access subscription, for the individual broker

    Office Edition

    Multiple users with administrative control over the products, features and content displayed

    Web Edition

    Put our product grids, detail and tools on your website instantly!

    Web Edition -Retailers

    A special edition for retailers, just the right amount of information for the consumer, plus the ability collect and manage leads.

    Additional Information

    See what else we offer:

    Upcoming Rate Changes

    We track rate changes and can notify you before they take effect!

    Annuity Illustrations

    The illustration system carriers prefer

    Rider Comparisons

    Compare multiple income riders, side-by-side

    Product Videos

    Access the Brainshark training videos right from our product lists



    771