Interest rates apply to new contracts and are guaranteed for two years from issue date. Afterguarantee period, interest rates may change at any time, but will not be less than minimumguaranteed interest rate stated in contract. One penalty-free withdrawal available, per contractyear. Additional withdrawals and/or surrender, subject to surrender charges and may also be subjectto a 10% federal tax penalty if done before age 59½. Guarantees are based on the financialstrength and claims-paying ability of Western Fraternal Life. Product not available in all states.
03-03-0075 • 10/2018
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Call 877-935-2467 to speak with a Western Fraternal Life Representative.