Flexible Premium Annuities

 NEW RATES EFFECTIVE NOVEMBER 1, 2011

 

5 YEAR  APY

              1ST YEAR                                                 BASE RATE

       3.25%               2.25%

    

      10% free withdrawal each year *

      Minimum Guaranteed Rate  - 1%

        Surrender charges: Yr 1–9%; Yr 2-7%; Yr 3-5%;

                   Yr 4-3%; Yr 5-1%; Yr 6-0%

                

                       Form WCU FPA-5-1210

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         8 YEAR  APY

       1ST YEAR                                             BASE RATE

         3.50%               3.00%

   

     10% free withdrawal each year *

      Minimum Guaranteed Rate – 1%

      Surrender charges:  Yr 1-8%; Yr 2-7%; Yr 3-6%

       Yr 4-5%; Yr 5 -4%, Yr 6-3%; Yr 7-2%; Yr 8-1%

       Yr 9-0%

                   

                       Form WCU FPA-8-1210

    _______________________________________________

                  10 YEAR  APY

      1ST YEAR                                           BASE RATE

         3.75%              3.00%

         

       10% free withdrawal each year *

          Minimum Guaranteed Rate – 3%

      Surrender charges: Yr 1-10%; Yr 2-9%, Yr 3-8%;

       Yr 4-7%; Yr 5-6%; Yr 6-5%; Yr 7-4%; Yr 8-3%;

        Yr 9-2%; Yr10-1%;  Yr 11-0% 

                           Form No FPA 1198

 

  Current yields effective 09-01-11.  All annuities are issued by Western Catholic Union, Quincy IL and are not available in all states

10 - Year Non-Qualified & Qualified (including Roth) Flexible Premium Annuity Tax-Deferred

  • 3.75% APY for the first year
  • Yield includes First Year bonus of 1.25%
  • Yields subject to change after the first year
  • Flexible Premium: Low minimum initial premium of $300 year
  • or $25 month
  • Single Premium: Low minimum premium of $1,000
  • 10 year surrender charge after the free 15% withdrawal (10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0)
  • Medical expense benefit withdrawal allowed (no fee)
  • Terminal illness benefit (no fee)
  • Nursing home benefit (no fee)

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8 - Year Non-Qualified & Qualified (Including Roth) Flexible Premium Annuity Tax-Deferred

  • 3.50% APY for the first year
  • Yield includes First Year bonus of 1.00%
  • Yield subject to change after the first year
  • Flexible Premium: Low minimum initial premium of $300 year
  • or $25 month
  • Single Premium: Low minimum premium of $1,000
  • 8 year surrender charge after the free 15% withdrawal (8, 7, 6, 5, 5, 4, 3, 2, 1, 0)
  • Medical expense benefit withdrawal allowed (no fee)
  • Terminal illness benefit (no fee)
  • Nursing home benefit (no fee)

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5 - Year Non-Qualified & Qualified (including Roth) Flexible Premium Annuity Tax-Deferred

  • 3.25% APY for the first year Yield includes First Year bonus of .50%
  • Yield subject to change after the first year
  • Flexible Premium: Low minimum initial premium of $300 year
  • or $25 month
  • Single Premium: Low minimum premium of $1,000
  • 5 year surrender charge after the free 15% withdrawal (9, 7, 5, 3, 1, 0)
  • Medical expense benefit withdrawal allowed (no fee)
  • Terminal illness benefit (no fee)
  • Nursing home benefit (no fee)

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All annuity plans offered by Western Catholic Union have the following benefits:

  • Supported by high investment quality bonds
  • No annual administration fees, no sales charge
  • May be annuitized at any time
  • Single Premium Deferred Annuities may be added to within the first 90 days of issue.
  • Yield for new issue annuities are subject to change at any time.