Western Catholic Union
A Fraternal Life Insurance Society
(217) 223-9721
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MYGA Single Premium

Available in IA, IL, MD, MO, OH, PA, TX, WV, & WI
5- Year MYGA

4.50%

4- Year MYGA

4.35% 

3- Year MYGA

4.20%

APY (Annual Percentage Yield) shown is guaranteed for the term of the annuity. APY is determined at the time of issue and will not change.

Product Features:

  • Available in 3 year, 4 year or 5 year term
  • Available in both qualified and non-qualified (including ROTH)
  • Joint spousal ownership available on non-qualified
  • Issue Ages 0-90 (4 or 5 year term)
  • Issue Ages 0-96 (3 year term)
  • Minimum premium $10,000
  • Interest compounded daily
  • Tax deferred growth
  • Death benefit is full account value
  • 10% penalty free withdrawal allowed each contract year
    • Distributions above the penalty free amount are subject to a 8% fee in the first year. The fee decreases by 1% in each subsequent year. No surrender penalties after the initial term.
Surrender Charge Waiver Provisions Included:

This provision waives the surrender charge on partial withdrawals up to varying percentages of the fund value for the occurrence of one of the following events:

  • Nursing home benefit – up to 50% of fund value
    • Only available for issue ages 80 & younger
    • Must be confined to nursing home for at least 90 days
  • Unemployment – up to 50% of fund value
    • Only available for attained ages 64 & younger
  • Occurrence of a heart attack – up to 25% of fund value
  • Diagnosis of internal cancer – up to 25% of fund value

NOTE: These provisions only apply in certificate years 2 and later and are limited to a single episode of one of these provisions.

Rates effective 7/1/2025. Annuity rates subject to change. Consult a tax advisor to determine any tax implications.

Contact the Sales Department at 877-928-1877 or email sales@wculife.org.

Annuity Options

• 3, 4, or 5 Year MYGA
• Flexible Premium Deferred
• Single Premium Immediate

Annuity Advantages

• Guaranteed Income
• Flexibility
• Safety
• Competitive Rates

Annuity Benefits

• Non-Qualified & Qualified
• Tax deferred
•10% Penalty Free Withdrawal
• Fraternal Benefits