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National Western Life

NWL Accumulator Five®

(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+	****	*****	*****	****	*****	*****

State Specified Minimum Interest Rate: ****

Premium Bonus
Year:	1
Bonus Rate:	****

Policy Notes

The @annuityname@ Annuity is --[ 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 ***** ** *** ****** ****
*****************: **** ****** **** *****

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

State Specific Notes

Paid in addition to the --[ subscription required to view full text ]--
**** ** ******** ** *** ******* ***** *******, *** ********** ***** ******* **** ** **** ** *** *********** ** *** ********* **** **** ********** ****** ****** ****** *** ***** ** *** ******. *** ****** ** *** ********** ***** ******* ** ***** ** *** ***** ******** ****, **** ******* ***********, ** ** *** **** ** *** ********** *****. *** ******* ******* ** *** **. *** ******* ********** ***** ******* ******* **** ** $***,***. *** ****** *** ******** ******* *** ************.

MVA Explanation
Not available in AL 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: 11/01/2018
Commissions are ***** *** * *** * *** * ** ***** ***.

Non-Qualified

NWL Accumulator Five®

(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:

****

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:

****

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 Accumulator Five®

(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:

****

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:

****

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

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