national western life’s

National Western Life’s

Withdrawal Benefit Rider (the Income Outlook Plus 5) & the

Ultra Future FIA

15% Bonus! Lifetime Income and Amazing Liquidity


The Ultra Future FIA

10% Bonus that is 100% vested from the first day

3 Crediting Strategies

S&P 500 Annual Reset Monthly Average

S&P 500 Annual Reset Monthly Point to Point

Traditional Fixed Account



Liquidity10% Annual Penalty Free Withdrawal

Interest Only Available After 1 Year

Can be Annuitized After the 5th Policy Year for as Short as a 5-Year Period Certain.



Surrender Charges: 19.25-18.5-17.75-16.75-16-15.25-14.5-13.5-12.75-12-10-8-6-4-2-0% (15 years)

Death Benefit = Full Accumulated Value

WITHDRAWAL BENEFIT RIDERMinimum Guaranteed

Surrender ValueContract Value Income Account

Value

Depends on product

Depends on credited rate

each year

5% Bonus5% Interest Rate(0.75% Annual

Charge)

WITHDRAWAL BENEFIT RIDERMinimum Guaranteed

Surrender ValueContract Value Income Account

Value

Depends on product

Depends on credited rate

each year

5% Bonus5% Interest Rate(0.75% Annual

Charge)

Greater Of When you are ready to elect income, the Company

will look back and guarantee you earned at least 5% on your Income Account Value (IAV). If

Contract Value is larger, your IAV will step up to the Contract Value.

• Creates a new Income Account. The Income Account receives a 5% Bonus that is also included in the Contract Value. This bonus vests over time. 25% in year 8, 50% in year 9, and 100% in year 10.

• The Income Account Value is then guaranteed to grow at 5% Interest each year until the owner elects to receive lifetime income.

• Annual rider charge is 0.75%.

WITHDRAWAL BENEFIT RIDER

The Power of 10%… Plus 5%! 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth

Rate

Initial Premium

10% PremiumBonus

Income AccountValue After 1 Year

WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE

$100,000

$110,000

$117,700


Rate

Initial Premium

10% PremiumBonus



$100,000

Initial Contract Value $110,000

$117,700


Rate

Initial Premium

10% PremiumBonus



$100,000

Initial Contract Value $115,000

$120,750

5%Bonus from Rider

The WITHDRAWAL BENEFIT RIDER

Income Account Value Using Ultra Future



The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the

lifetime income benefit.

Attained Age60-64 = 5.00%65-69 = 5.50%70-74 = 6.00%75-79 = 6.50%80-84 = 7.00%85-89 = 7.50%90 + = 8.00%





Attained Age60-64 = 5.00%65-69 = 5.50%70-74 = 6.00%75-79 = 6.50%80-84 = 7.00%85-89 = 7.50%90 + = 8.00%

Example: 72 year old owner with $100,000. After 5-years their income account value is $146,772 GUARANTEED.Their lifetime income benefit also GUARANTEES a 6.00% annual withdrawal percentage.$146,772 x 6.00% = $8,806.32 GUARANTEED for LIFE!





Attained Age60-64 = 5.00%65-69 = 5.50%70-74 = 6.00%75-79 = 6.50%80-84 = 7.00%85-89 = 7.50%90 + = 8.00%

Example: 82 year old owner with $100,000. After 7-years their income account value is $161,817 GUARANTEED.Their lifetime income benefit also GUARANTEES a 7.00% annual withdrawal percentage.$161,817 x 7.00% = $11,327.19 GUARANTEED for LIFE!

15% BONUSGive us the opportunity to EARN

your business

national western life’s

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