Western & Southern fixed annuity rates

Western & Southern, founded in 1888 and headquartered in Ohio, issues 2 fixed annuities in 3 to 7-year terms.

4.50% Top APY

A+ AM Best

1888 Founded

Available products

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Pick your state to see Western & Southern products available where you live. Filings vary by state.

Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	3-yr	4-yr	5-yr	6-yr	7-yr	Min
SmartSelect - Two	4.25%	4.45%	4.50%	4.20%	4.30%	$20k	↓
Surrender schedule 3-yr 7% / 7% / 7% 4-yr 7% / 7% / 7% / 6% 5-yr 7% / 7% / 7% / 6% / 5% 6-yr 7% / 7% / 7% / 6% / 5% / 4% 7-yr 7% / 7% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Hospital Confinement Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
SmartSelect	4.10%	4.30%	4.40%	4.15%	4.15%	$20k	↓
Surrender schedule 3-yr 7% / 7% / 7% 4-yr 7% / 7% / 7% / 6% 5-yr 7% / 7% / 7% / 6% / 5% 6-yr 7% / 7% / 7% / 6% / 5% / 4% 7-yr 7% / 7% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Hospital Confinement Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment

About Western & Southern

Founded: 1888 Ohio
AM Best rating: A+ What this means
Comdex score: 96 / 100 Composite of AM Best, S&P, Moody's, Fitch.
Phone: 800-804-4465
Website: westernsouthern.com
Carrier brochure: ↓ Download (PDF)
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

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Western & Southern fixed annuity rates

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