MultiRate
Western-Southern Life Assurance Company
10%
Free W/D
49
States
MultiRate is a single premium deferred annuity that lets you divide your investment among multiple guaranteed interest rate periods to balance growth and flexibility. It's designed for people who want tax-deferred growth, guaranteed income in retirement, and protection from interest rate uncertainty.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$2,000
Surrender
7 years
Key Features
Multi-Period Rate Laddering
Up to 7 years maximum guarantee periodDivide your premium among guarantee periods ranging from 1 to 7 years to manage interest rate risk and create a diversified income strategy
Tax-Deferred Growth
Taxes deferred until withdrawalEarnings compound without current taxation, allowing your money to grow faster than in taxable accounts paying the same rate
Guaranteed Lifetime Income
Lifetime income guaranteeConvert your contract value into income payments that cannot be outlived, chosen from multiple payout options
Free Withdrawal Access
10% annual free withdrawalWithdraw up to 10% of contract value annually without surrender charges, plus systematic withdrawal options
Principal Guarantee
100% guaranteeYour premium payments are 100% guaranteed and backed by Western & Southern Life's financial strength
First-Year Rate Enhancement
Enhanced 1-year rateReceive a bonus interest rate on funds allocated to the 1-year guarantee period
Surrender Charge Waivers
Conditional waiver availableSurrender charges waived if confined to hospital or long-term care facility for 30+ days
Highlights
Spread your premium across multiple interest rate guarantee periods (up to 7 years) to diversify returns and reduce interest rate risk
Tax-deferred growth means your money compounds faster than taxable investments at the same rate
Guaranteed lifetime income you cannot outlive, plus flexible withdrawal options including 10% annual access without surrender charges
100% principal guarantee backed by Western & Southern Life with guaranteed minimum interest rates
First-year interest rate enhancement bonus when you allocate funds to the 1-year guarantee period
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People approaching or in retirement who want guaranteed income, tax-deferred growth, principal protection, and flexibility to manage interest rate cycles.
Consider Alternatives If
Those who need immediate access to funds, expect to outlive guarantees significantly, or require frequent large withdrawals without penalty.
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