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Western-Southern Life Assurance Company

SmartSelect 7

A MYGA with a 7-year fixed rate and a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A+		Fitch: AA		Moody's: Aa3		Standard & Poor's: AA-

Rates
The interest rate is guaranteed for 7 years Surrender charges last 7 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 20,000+	****	*****	*****	****	*****	*****
Band 100,000+	****	*****	*****	****	*****	*****

State Specified Minimum Interest Rates
AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY	****
NC	****

Premium Bonus
- none -

Policy Notes

SmartSelect is a single premium deferred annuity with market value adjus --[ subscription required to view full text ]--
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******* ****** *********** ****** *** ***** ** *** ******* *** ******, *** ******* **** ****** *** ** **** ******* ******* (** *** *********** ** ********). **** * *** ****** ****, **** ******* *** **:
• ****** ** ********* *** ****** ******* ** * *** ******** **** *** * *** ********** ****** (**** ***).
• ** ******* *** **** ******* ***** ************* ********* ** *** *-**** ******* ****** ** *** ******* ******** **** **** ** ********** ****** *** ** ***.
*** *** ******* ** **********. ********** *** ******** *** ** ********* **********.

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

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

During a guarantee period of more than one year, which is called a Guaranteed Rate Opt --[ subscription required to view full text ]--
****** * ********* ****** ** **** **** *** ****, ***** ** ****** * ********** **** ****** (***), ** *** ******* ** ******* ******* *** *********** ** ****** ** *** **** ********** ******. *** *** ******** *** ****** ** *** ****** ** *** ******** ***** ** ***** ******* *** **** *** *** *** ******** *** *** **** *** *** ** *******. *********, ** ******** ***** ********, *** *** ******* **** ********’* *****. ** *** ***** ****, ** ******** ***** ********, *** *** ********* **** ********’* *****. *** ****** ** *** *** **** ***** ** ******* **** *** *** *******, ***** ** *** **********, ******* ******** ** ********, *******:

*. *** ******* ******* *****; ***
*. *** ******* ***** ******* ** *** ********* ** *** ******* ***, ***** *********** ***** ****** *** ******* *** (********* *** ********** ******, *** *** *********** *** ***), **** ******** ******** ** *** ****.

*** *** ******* ******* ** **** ******** *** ******** ****. ** *** *** ** ********, *** *** ******* ** *** ******* ******** **********; ** *** *** ** ********, *** *** ******* ** *** ******* ******** **********. *** **** *** ***** ****** *** **** ** **** ** *** *** ** ** *** ***** *******.

*** ****** = *.** * [*-(*+*.****)] * */**; *****:
* = *** ********** ******** **** *** **** ******* ***
* = *** ********** ******** **** ******* *** * ******** ** * *** **** ******* ** *** **** *** *** ** ******* **** .**** (****** **** ** ********** *** ******* *** *** **** ** ********** *** **********, ********* *** *********** ***** ** *********** *** ******); ***
* = ****** ** ***** ****** ********* ** **** ******* *** (** * < ** ******, * = ********** ******** **** *** *** *-**** ******* ******).

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

Related Information

Other Western-Southern Life Assurance Company Products

MYGA

Acclaim 5-Year
Acclaim 5-Year ROP
MultiRate (Option 5) 7
MultiRate (Option 6) 7
MultiRate (Option 7) 7
MultiRate (Option E) 7
SmartSelect 3
SmartSelect 4
SmartSelect 5
SmartSelect 6

Fixed Annuity

Acclaim 1-Year
Acclaim 1-Year ROP
Acclaim 2-Year
Acclaim 2-Year ROP
Acclaim 3-Year
Acclaim 3-Year ROP
Acclaim 4-Year
Acclaim 4-Year ROP
MultiRate (Option 5) 1
MultiRate (Option 5) 2
MultiRate (Option 5) 3
MultiRate (Option 5) 4
MultiRate (Option 5) 5
MultiRate (Option 6) 1
MultiRate (Option 6) 2
MultiRate (Option 6) 3
MultiRate (Option 6) 4
MultiRate (Option 6) 5
MultiRate (Option 7) 1
MultiRate (Option 7) 2
MultiRate (Option 7) 3
MultiRate (Option 7) 4
MultiRate (Option 7) 5
MultiRate (Option E) 1
MultiRate (Option E) 2
MultiRate (Option E) 3
MultiRate (Option E) 4
MultiRate (Option E) 5
SmartStep (Option 1)
SmartStep (Option 2)
SmartStep ROP (Option 1)
SmartStep ROP (Option 2)

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