Annuity Interest Rates

November 2018

Freedom Series Annuity Interest Rates

Certificates issued in November 2018. Rate credited during the initial lock-in period.

	Under $10,000	$10,000 to $24,999	$25,000 to $99,999	$100,000 to $499,999	$500,000 to $999,999	$1 million and above
SPDA with First Year Interest Bonus		4.75%	5.00%	5.20%	5.60%	5.90%
FPDA with First Year Interest Bonus		3.75%	4.00%	4.20%	4.60%	4.90%
SPDA		2.15%	2.40%	2.60%	3.00%	3.30%
FPDA	1.60%	2.00%	2.25%	2.45%	2.85%	3.15%

November 2018 rate credited after initial lock-in period expires.

	Under $10,000	$10,000 to $24,999	$25,000 to $99,999	$100,000 to $499,999	$500,000 to $999,999	$1 million and above
SPDA with First Year Interest Bonus	1.35%	1.75%	2.00%	2.20%	2.60%	2.90%
FPDA with First Year Interest Bonus	1.35%	1.75%	2.00%	2.20%	2.60%	2.90%
SPDA	1.75%	2.15%	2.40%	2.60%	3.00%	3.30%
FPDA	1.60%	2.00%	2.25%	2.45%	2.85%	3.15%

After the initial lock-in period expires, interest rates may vary each month. Interest rates are set monthly by WoodmenLife and will never be lower than the minimum guaranteed interest rate. The current minimum guaranteed interest rate for certificates issued in November 2018 is 1.75%.

WoodmenLife Deferred Annuities In-Force Rate

Values to $25,000	Values $25,000 and Above
3.00%	3.00%

Current in-force interest rates apply when a certificate's initial rate guarantee has expired or when an initial interest rates guarantee period has not been chosen. Current in-force interest rates are subject to change monthly. They will never be lower than the minimum guaranteed interest rate.

WEB99 - 11/1/2018

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