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.

10% First Year Premium Bonus; 4.75% Years 2-5; bonus not included in MGCV;
2% First Year Premium Bonus in DE, IL, IN, MA, MN, NJ, PA, UT, WA; 2% Years 2-5; bonus not included in MGCV. 

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.  

15 

0 - 80 

Withdrawal charges will apply during the first fifteen (15) policy years if such withdrawals exceed the free withdrawal amounts.  The withdrawal charges are beginning in year 1:
19.25%, 18.50%, 17.75%, 16.75%, 16%, 15.25%, 14.5%, 13.5%, 12.75%, 12%, 10%, 8%, 6%, 4%, 2%

9-Yr in DE, IL, IN, MA, MN, NJ, PA, UT, WA: 9.25%, 8.25%, 7.25%, 6.25%, 5%, 4%, 3%, 2%, 1%.

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

 

10% Penalty-Free Withdrawals of account value, once annually, or Systematic w/d of interest after AFTER 1st policy year. AFTER 1st policy year or IRA Qualified, RMD free of withdrawal charge.	

For : DE, IL, IN, MA, MN, NJ, PA, UT, WA - 10% of account value, free of a withdrawl charge, once annually INCLUDING 1st policy year or systematic withdrawl of interest or IRA qualified - RMD free of withdrawl charge.  

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%


Annuitization at full contract value after 5th policy year for a  minimum of 5 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: 0-55**** 

Commission
NQ - First Year
Ages              Commission     
0-75                 7.00%                   
76-80               5.00%                   
   
Years 2-5
All Ages            1.00%                   

Q - First Year
Ages              Commission     
0-70                 7.00%                   
71-75               3.50%
76-80               2.00%

Years 2-5
All Ages            1.00%                   

For WA, DE, IL IN, MA, MN, NJ, UT & PA:
NQ - First Year
Ages              Commission     
0-75                 6.00%                   
76-80               4.00%                   
   
Years 2-5
All Ages            1.00%                   

Q - First Year
Ages              Commission     
0-70                 6.00%                   
71-75               3.50%
76-80               2.50%

Years 2-5
All Ages            1.00% 

For LA:
NQ - First Year
Ages              Commission     
0-75                 8.00%                   
76-80               6.00%                   
   
Years 2-5
All Ages            1.00%                   

Q - First Year
Ages              Commission     
0-70                 8.00%                   
71-75               4.50%
76-80               2.00%

Years 2-5
All Ages            1.00%

76-80               2.00%

For TX:
NQ & Q - First Year
Ages               Commission
0-55                   4.25%

Years 2-5
0-55                   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.
 

Alabama
Alaska
Connecticut
Mississippi
New York
Oregon