Western United Future Select — 7-year fixed annuity at 4.65%
- Locks in 4.65% for 7 years
- Open with $10,000 to $1,000,000
- Free withdrawals allowed for:
- 15% of your balance each year
Rates as of May 8, 2026
Projected balance
over 7 years
Compounded at 4.65% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $465 | $10,465 |
| 2 | $487 | $10,952 |
| 3 | $509 | $11,461 |
| 4 | $533 | $11,994 |
| 5 | $558 | $12,552 |
| 6 | $584 | $13,135 |
| 7 | $611 | $13,746 |
| Total earnings | $3,746 | $13,746 |
Free-withdrawal allowance: 15% / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #139 of 161 (top is 6.25% — Sentinel Security Personal Choice)
Same product, other terms
Other Future Select terms from Western United
Projections shown for a $10,000 premium.
| Term | Rate | Projection | |
|---|---|---|---|
| 5-year → | 4.45% | $12,432 | |
| 7-year | 4.65% | $13,746 |
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 8.0% |
| Year 2 | 7.0% |
| Year 3 | 6.0% |
| Year 4 | 5.0% |
| Year 5 | 4.0% |
| Year 6 | 3.0% |
| Year 7 | 2.0% |
Contract terms
What else to know
Term
7 years guaranteed at 4.65% APY
Investment range
$10,000 – $1,000,000
Funding sources accepted
Roth Conversion (Partial), Roth Conversion (Full), Traditional IRA, Non-Qualified, Inherited IRA, IRA Rollover, IRA Transfer, NQ Stretch, SIMPLE IRA, IRA-Roth, SEP IRA, TSP
Owner age
0 to 84 years old
Free look period
30 days after policy issue to change your mind without penalty.
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Riders & waivers
- Death Benefit Waiver
- Return of Premium
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Western United contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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