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Index-Deferred Fixed Annuities


The WNL Power Index Annuity is a single-premium, index-linked deferred fixed annuity that offers you the chance to benefit from higher potential interest earnings linked to a stock-price index—without the risk associated with the stock market.

Typically, it appeals to people who want to:

  • Protect their principal and have the potential to earn better returns than traditional fixed annuities when stock values are increasing.

  • Enjoy all the benefits and guarantees1 fixed-rate annuities have to offer—tax-deferred accumulation, a minimum guaranteed value, access to your funds, a death benefit, an income option that transforms the contract balance into a guaranteed income stream for life2, and more.


Put the WNL Power Index Annuity to work for you

Technically, the WNL Power Index Annuity is a contract between you and Western National Life Insurance Company. In other words, you are buying an insurance product, not shares of any stock or equity investment.

  • The WNL Power Index Annuity allows you to build value over time and convert it to income in the future through annuitization. And by linking interest crediting to an external stock-price index subject to an interest rate cap (the maximum rate of interest the annuity will earn), you have the potential to outpace inflation.

  • The WNL Power Index Annuity may be a good fit for your retirement portfolio if you have received lump-sum distributions or you are looking to help satisfy long-term financial goals.

  • To purchase, simply make a lump-sum payment (premium).

  • All guarantees are subject to the claims-paying ability of Western National Life Insurance Company.

Interest Crediting

Note that although index-linked deferred fixed annuity products are considered to be fixed deferred annuities, they are different from other fixed annuities in the way they credit interest.

  • Most fixed annuities credit interest calculated at a rate set in the contract.

  • Index-linked deferred fixed annuities, on the other hand, credit interest using a formula based on changes in the particular index to which the annuity is linked.

  • Also, keep in mind that index-linked deferred fixed annuities do not guarantee that index-linked interest will be credited in any policy year. The performance of the index will dictate whether interest is credited.


Click here for a detailed Summary of WNL Power Index Annuity. 


For more information:

Clients: Call Client Care Center at 1-800-424-4990.

Selling Agents: Call Internal Wholesaling at 1-888-237-4210.



1 All guarantees mentioned are subject to the claims-paying ability of Western National Life Insurance Company.
2 Annuitization required (the process of converting the fixed annuity into a series of periodic income payments).