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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 Rate: ****

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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******* ****** *********** ****** *** ***** ** *** ******* *** ******, *** ******* **** ****** *** ** **** ******* ******* (** *** *********** ** ********). **** * *** ****** ****, **** ******* *** **:
• ****** ** ********* *** ****** ******* ** * *** ******** **** *** * *** ********** ****** (**** ***).
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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 ]--
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*. *** ******* ******* *****; ***
*. *** ******* ***** ******* ** *** ********* ** *** ******* ***, ***** *********** ***** ****** *** ******* *** (********* *** ********** ******, *** *** *********** *** ***), **** ******** ******** ** *** ****.

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

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

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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