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National Western Life

Confidence Flex 45

(RETIRED)

A Fixed Annuity with a 1-year fixed rate and a 15-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 15 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

	Previous Rates xx/xx/xxxx			Current Rates xx/xx/xxxx
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 5,000+	****	*****	*****	****	*****	*****

Premium Bonus
Policy Year:	1	2	3	4	5
Bonus Rate:	****	****	****	****	****

Policy Notes

A flexible premium a --[ subscription required to view full text ]--
* ******** ******* ******* ***** **** * *.*% ******* ***** ** **** * *** * *.*% ******* ***** ** ***** * ******* *.

Product Riders
No Riders Available

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:	******	******

Ages Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

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

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

State Specific Notes

Guaranteed Minimum I --[ subscription required to view full text ]--
********** ******* ******** **** ** ** ** *.*%

MVA Explanation
Only available in WY

Market Value Adjustment< --[ subscription required to view full text ]--
****** ***** **********

*******

(*+(*-*) * */**)

*****:

*+ *** ****** ***** ******** **** **** ***** ** *** *********** *****

* = *** ****** ***** ******** **** ********* ********* *** *** ************ ***** *** ****** ** *** **** ** **** ** ******* **********, **** *** **** ** *** ******* ********* ** * *******. * ******** ***** **** *** ** ****, ******** ** *** ***** ** ******** ********** ** ********* ********, ** ********.

*= *** ****** ** ******** ****** **** *** **** ** **** ********** ** ******* ********* ** *** *** ** *** **** *********** ****. ***** ** ** ****** ***** ********** ***** *** **** *********** ****.

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Commissions
Effective date of commission schedule: 02/21/2011

Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

Non-Qualified

Confidence Flex 45
(All approved states)
Up to age 69 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Ages 70-80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Ages 81-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Qualified

Confidence Flex 45
(All approved states)
Up to age 69 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Ages 70-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Confidence Flex 45 with Trail

Non-Qualified

Confidence Flex 45
(All approved states)
Up to age 69 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Ages 70-80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Ages 81-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Confidence Flex 45 with Trail

Qualified

Confidence Flex 45
(All approved states)
Up to age 69 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Ages 70-75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Initial Premium: **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Commissions
Effective date of commission schedule: 02/21/2011
Commissions are ***** *** * *** * *** * ** ***** ***.

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