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National Western Life

NWL Protector One

(RETIRED)

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
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 5,000+	****	*****	*****	****	*****	*****

Policy Notes

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

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*** *** ****** *** $****.**
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MVA Explanation
Not available in AL PR

This is a long-term accumulation annuity. If withdrawals are made du --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 09/15/2011
Commissions are ***** *** * *** * *** * ** ***** ***.

Non-Qualified

NWL Protector One

(All approved states)

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Initial Premium:

****

Renewal Premiums:

****

Ages 76-90

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Initial Premium:

****

Renewal Premiums:

****

Qualified

NWL Protector One

(All approved states)

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Initial Premium:

****

Renewal Premiums:

****

(C) If the annuitant, issue ages --[ subscription required to view full text ]--
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