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Insurance Policy with Equity Index Options

  Let’s take a look at the unique features of the NWL Lifetime Returns Select® that can provide the liquidity you may need later and the protection you need now. If you are age 45–85, (Single Pay and Five Pay) or 45-80 (Ten Pay), NWL Lifetime Returns Select® allows three premium payment options sufficient to pay for the amount of coverage (Face Amount) selected by you, with the minimum amount being $25,000. Face Amount changes are not allowed after the policy is issued. The Face Amount may be reduced but only due to a Partial Surrender or payment of a Benefit Advance from the Accelerated Benefit Rider. Your policy will provide a Death Benefit equal to the greater of the Face Amount, or the Account Balance with a percentage adjustment based on your age as of the last Policy Anniversary. The Death Benefit may be extended beyond age 121.


 For Index Option A (the monthly average), the crediting rate on an Index Anniversary is the average of the 12 monthly index values, minus the Index Value at the start of the period, divided by the Index Value at the start of the period, and then multiplied by the Participation Rate.


For Index Option D (the monthly point to point), the crediting rate on an Index Anniversary is the sum of the 12 Monthly Index Change Rates. The Monthly Index Change Rates are based on the change in the index values from one month to the next, subject to the Monthly Cap Rate, for the 12 month  index period.


For Index Option J (the annual point to point), the crediting rate on an Index Anniversary is the difference between Index Value on the Index Anniversary and the Index Value on the Index Date, divided by the Index Value on the Index Date, not to exceed the Annual Cap Rate for that Date. Get all of the details by clicking on Download.

NWL Lifetime Returns Select (pdf)

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