Annuities | Western Fraternal Life


Annuities provide guaranteed income in retirement, regardless of changes in market or longevity of life.


Plan ahead and give back. Watch the video to learn more.


Connect with a representative. Call 877-935-2467 or fill out the form below.


A fixed interest rate, flexible purchase payment deferred annuity available in both non-qualified and qualified markets. Premium payments can be made annually, semi-annually, quarterly, or monthly (EFT). Earnings on the amount in the annuity accumulate on a tax-deferred basis and members may access funds through withdrawal privileges.


A fixed-rate, single purchase payment deferred annuity available for the qualified and non-qualified markets. Earnings on the amount in the annuity accumulate on a tax-deferred basis and members may access funds through withdrawal privileges.

Members may opt to receive a guaranteed fixed-rate for a period of 2, 3, or 5 years. After the initial period is complete, the annuity renewal interest rate assumes the current portfolio rate. The underlying contractual guaranteed rate is redetermined at the beginning of each calendar year.


A fixed income, single lump sum premium, immediate annuity. It is available for both the qualified and non-qualified markets. Members can receive guaranteed income payments from a variety of income options.

Contact a Western Fraternal Life agent for the best Annuity option for your needs.

All policies and benefits are subject to underwriting. Dividends are not guaranteed.

Annuity Income Payment Options:
Annuity income payout options are available after the first certificate anniversary on FPDA and SPDA. Payout may start 30 days after purchase and no later than 13 months after purchase for SPIA.

  • Life Only Option
  • Life With Guaranteed Refund
  • Life With Years Certain (5, 10, 15 or 20 years)
  • Joint Life With Survivor Option

For further information about interest rates, payments, surrenders, and the Nursing Home Rider, or any other questions, please contact a Western Fraternal Life agent or Martin Menke at the Home Office at 877-935-2467.

Fixed Annuity Calculator

Use this calculator to help you determine how a Fixed Annuity might fit into your retirement plan.



Annuity Specialist

Contact Martin Menke with any annuity question at or 877-935-2467 ext. 145.

Member Benefits

Western offers exclusive discounts, scholarships, financial assistance, volunteer opportunities, and more.



Guaranteed Retirement Income Provides Peace of Mind

Annuities offer you the peace-of-mind that you will not outlive your payments, and can help protect your standard of living in retirement.

Contact an Agent

Search for an agent near you, or contact 877-935-2467.




The Importance of Beneficiary Designations to Your Estate Plan

Generally the named beneficiary of life insurance contracts, IRAs, pension plans, and tax-deferred annuities will receive the assets at the death of the insured.

Call 877-935-2467 to speak with a Western Fraternal Life Representative.

Western Fraternal Life

1900 First Avenue NE, Cedar Rapids, Iowa 52402
Call us at 877-935-2467 or 319-363-2653
Open Monday-Thursday 7:45 a.m.-4:30 p.m., Friday 7:45 a.m.-1:15 p.m.

Licensed in CA, CO, IL, IA, KS, LA, MI, MN, NE, ND, OH, OK, OR, SD, TX, WA, and WI
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