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    • National Western Life


    Confidence Flex 85

       (RETIRED)

    A Fixed Annuity with a 1-year fixed rate and a 15-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A-   Standard & Poor's:  A-  

    Rates
    The interest rate is guaranteed for 1 years
    Surrender charges last 15 years
    		 Last Rate Change: xx/xx/xxxx
    Next Rate Change: xx/xx/xxxx
      Previous Rates
    xx/xx/xxxx    		 Current Rates
    xx/xx/xxxx
      RateBonus Yield to
    Surrender    		 RateBonus Yield to
    Surrender
    Band 5,000+   ****   *****   *****   ****   *****   ***** 

    State Specified Minimum Interest Rate: ****
    Premium Bonus
     Year: 1 2 3 4 5
    Bonus Rate: **** **** **** **** ****

    Policy Notes

    The @annuityname@ Annuity is --[ subscription required to view full text ]--
    *** @***********@ ******* ** * ******** ******* ******** ******* **** * @*******@ **** ********* ****** ****** **** ** *** *********.

    **** **********
    @*****************@

    ** ** * ****-**** ******** ******** ** * ****** ******** ******* *** ********** ************ *** ****** **** * ******** ******* *******. *** @***********@ ******* ******** *** ********* ******** ** *** *** ******** *******: ******** ************, ******, ***-********, *** *********. *** @***********@ ******* ** ** ********* *********** ** *********** *** ***********.

    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 ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    In: MA, PA, MN, DE, YX, UT, IL, IN, NJ, WA
    --[ subscription required to view full text ]--
    **: **, **, **, **, **, **, **, **, **, **

    **** **** ****, ********* *** *** *** **** ** ** * **% *******-**** ********** ** *** ************ ******* (“*******-****” ***** ** ********** *******), ** ** *** ******, *** *** ***** ** **** *********** ** ******** ******** ******* ********** *******, ******* ** *** ****** ****** ** ******** ******** ****** *** ***** ****** ****. *******, ** *** ****** ****** ** ***** ********* **** ******* ****** ** ****** ** ****** ***** * *******-**** ** ********** ******** **********, *** **** ***** * *********** ********** ****** ** **** ****** ** *** **** ** **** *********.

    **: **
    ********* *** **** ************ ******* ***** *** ****** **** ( *** ****** *** ***********) *** * ******* ** ** ***** ** ********* ** **** ************ ******* ***** *** *********** ( *** ****** *** ***********) *** * ******* ** * ***** ** ********* ** **** ************ *** *********** *** * ******* ** * *****.

    MVA Explanation
    Not available in AL VI

    Market Value Adjustment< --[ subscription required to view full text ]--
    ****** ***** **********


    *******

    (*+(*-*) * */**)

    *****:

    *+ *** ****** ***** ******** **** **** ***** ** *** *********** *****

    * = *** ****** ***** ******** **** ********* ********* *** *** ************ ***** *** ****** ** *** **** ** **** ** ******* **********, **** *** **** ** *** ******* ********* ** * *******. * ******** ***** **** *** ** ****, ******** ** *** ***** ** ******** ********** ** ********* ********, ** ********.

    *= *** ****** ** ******** ****** **** *** **** ** **** ********** ** ******* ********* ** *** *** ** *** **** *********** ****. ***** ** ** ****** ***** ********** ***** *** **** *********** ****.

    Commissions
    Effective date of commission schedule: 02/21/2011
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Non-Qualified

    Confidence Flex 85
    (All approved states)
    		 Up to age 80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
    Initial Premium: **** **** **** **** **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
    Ages 81-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
    Initial Premium: **** **** **** **** **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

    Qualified

    Confidence Flex 85
    (All approved states)
    		 Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
    Initial Premium: **** **** **** **** **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

    Confidence Flex 85 with Trail

    Non-Qualified

    Confidence Flex 85
    (All approved states)
    		 Up to age 80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
    Initial Premium: **** **** **** **** **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
    Trail: Trail years ***+ is *****
    Ages 81-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
    Initial Premium: **** **** **** **** **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
    Trail: Trail years ***+ is *****

    Confidence Lex 85 with Trail

    Qualified

    Confidence Flex 85
    (All approved states)
    		 Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
    Initial Premium: **** **** **** **** **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
    Trail: Trail years ***+ is *****

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