0.00% 

The minimum guaranteed interest rate is set for new policies each calendar quarter.  It is never less that 1% or more than 3%.  The minimum guarantee interest rate is guaranteed for the contract term.  At the end of the contract term, the minimum guaranteed interest rate will be re-determined. 

Minimum initial premium for NQ(0-80) is $5,000 and for Q(0-80) $2,000.  The maximum initial premium is $500,000, larger amount require prior home office approval.  The minimum additional premium is $100. 
 

13 

0 - 80 

Withdrawal charges will apply during the first thirteen (13) policy years if such withdrawals exceed the free withdrawal amounts.  The withdrawal charges are beginning in year 1:
15%, 14.75%, 14%, 13%, 12.25%, 11.25%, 10.5%, 9.75%, 8.75%, 8%, 6%, 4%, 2%, 0%

The Company will not waive any early withdrawal charge for any distribution to the extent it exceeds the free withdrawal amount. 
 

10% of account value, free of a withdrawal charge, once annually, AFTER 1st policy year or systematic withdrawal of interest AFTER 1st policy year; IRA qualified - RMD free of withdrawl charge. (client can defer withdrawals for 5 yrs and take a cumulative withdrawal to a maximum of 50%).

Full Account Value at Death (in the state of LA- Contract Value paid out as if under a settlement option or CSV if paid as lump sum payment) 

There are three interest crediting strategies or options:

Option A: S&P Annual Ratchet with Monthly Average 

Option D: S&P Annual Ratchet with Monthly Cap

Option B: Fixed Interest Rate 
 

NationalWestern_Rates.pdf 

Guaranteed Lifetime Withdrawal Rider – Income Outlook Plus 5
(Available at issue only. Not available in all states; check state availability)
Allows owner/annuitant to receive guaranteed income for life w/o annuitization. The income amount is a percentage of the Withdrawal Payment Base (WPB) based on the age at time of election. The Accumulation Period Withdrawal Payment Base (APWPB) equals all premiums plus the 5% Rider Premium Bonus plus 5% fixed interest rate (“rollup”) for a fixed period of 10 years; restarts (at the Account Value amount if higher than APWPB) available every 5 years during Accumulation Period at the then declared rollup rate.  The current rider charge is 0.75%. The rider fee is taken from the Account Value every year but not from the APWPB.

5% Rider Premium Bonus on 1st Yr. Premium: 5% subject to vesting. Immediately vested in the APWPB for purposes calculating withdrawal payments; immediately vested for purposes of the death benefit.

Step-Up: If, at the end of any policy year, the Account Value is greater than the greatest WPB during the Withdrawal Period (WP), the WPB is reset to the Account Value on the first day of the next policy year. 

Owner/annuitant eligible to elect Withdrawal Payments at age 60 and after the first contract year.  


Guaranteed Withdrawal Percentages:

O/A Age    Single O/A      Joint O/A
60-64              5.0%          4.0%
65-69              5.5%          4.5%
70-74              6.0%          5.0%
75-79              6.5%          5.5%
80-84              7.0%          6.0%
85-89              7.5%          6.5%
90+                 8.0%          7.0%

Terminal Illness Rider: Annuitant diagnosed as having life expectancy less that one year.

Medical Stay Waiver: If confined to a hospital and/or nursing facility for at least 90 consecutive days after 180 days after policy date, then 75% of Account Value may be withdrawn without withdrawal charge.

Accidental Death Benefit - Paid in addition to regular death benefit; amount is equal to total premiums paid, less withdrawals, up to max. of $250k. Benefit expires at age 75.

Annuitization at full contract value after 5th policy year for a minimum of 5 years.

Policy Loans: 30 days after issue, up to 60% of the Contract Value earning Fixed Rate; loan rate 7.4% in advance. VA & VT no loans until after 3 years.

Incentive Trips:
Las Vegas, Nevada – June 3-9, 2011 – Sales Conference
Qualification Period – January 1, 2010 – December 31, 2010 
Qualifying Production- $2,100,000/Couple (excludes internal transfers)

Arizona – June 10-13, 2011 – Champions Club
Qualification Period – January 1, 2010 – December 31, 2010 
Qualifying Production- $3,300,000 minimum/Couple (excludes internal transfers); Limited to the top 100 agents, who also get to attend both conferences.
 

This plan is available only to agents certified by the Company to solicit equity-index annuities. 

****Issue Ages for TX: 0-57**** 

Commission
NQ - First Year
Ages               Commission
0-75                   12.00%
76-80                  10.50%

Years 2-5
All Ages                     1.00%

Q - First Year
Ages                     Commission
0-70                          12.00%
71-75                        10.00%
76-80                        9.00%

Years 2-5
All Ages                       1.00%

1.00% of Initial Premium less partial withdrawals in Years 2-3.

For LA:
NQ - First Year
Ages               Commission
0-75                   13.00%
76-80                 11.50%

Years 2-5
All Ages                       1.00%

Q - First Year
Ages                     Commission
0-70                          13.00%
71-75                        11.00%
76-80                        10.00%

Years 2-5
All Ages                       1.00%

For FL:
NQ - First Year
Ages               Commission
0-75                   11.00%
76-80                  9.50%

Years 2-5
All Ages                       1.00%

Q - First Year
Ages                     Commission
0-70                          11.00%
71-75                         9.00%
76-80                         8.00%

Years 2-5
All Ages                       1.00%

For TX:
NQ & Q - First Year
Ages               Commission
0-57                   9.75%

Years 2-5
0-57                   1.00%

Chargebacks to Agent	 at Surrender: 100% 1st six months; 50% 2nd six months; none thereafter.

Chargebacks at Death: 100% 1st six months; 50% 2nd six months; none thereafter.
 

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