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Guaranteed Interest Rates


When you purchase a Western National fixed annuity, your purchase payments (premiums) are guaranteed to earn an initial interest rate for a certain period of time.

  • The initial interest rate may include an interest enhancement.

  • When the initial interest rate guarantee period expires, a new rate will be declared periodically. US Life will renew your annuity at or above the minimum interest rate stated in your contract. And that’s regardless of future economic conditions.

  • All rates are annual effective rates. To achieve the rate annually, funds must remain in the annuity (without any withdrawals) each year.

  • Interest crediting begins the same day the money is deposited into the US Life account.

  • Since there are no up-front sales charges or administrative fees with fixed annuities, you receive interest on 100% of each purchase payment.

  • All guarantees are subject to the claims-paying ability of The United States Life Insurance Company in the City of New York.

Note that additional payments made after your original purchase payment will earn the competitive rate in effect at the time of receipt.




Tax-qualified contracts such as IRAs, 401(k)s, etc., are tax deferred regardless of whether or not they are funded with an annuity. If you are considering funding a tax-qualified retirement plan with an annuity, you should know that an annuity does not provide any additional tax-deferred treatment of earnings beyond the treatment by the tax-qualified retirement plan itself. However, annuities do provide other features and benefits such as income options.

Neither The United States Life Insurance Company in the City of New York nor its agents or representatives are authorized to give legal, tax or accounting advice. Please consult your attorney, accountant, or tax advisor.

The Western National series of annuities is issued and underwritten in New York by The United States Life Insurance Company in the City of New York and in all other states by Western National Life Insurance Company.