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Annuity Interest Rates

January 2020

Freedom Series Annuity Interest Rates1

Certificates issued in January 2020. Rate credited during the initial lock-in period.

UNDER $10,000
SPDA with First Year Interest Bonus2
  • –
FPDA with First Year Interest Bonus3
  • –
SPDA4
  • –
FPDA5
  • 1.00%

$10,000 TO $24,999
SPDA with First Year Interest Bonus2
  • 3.50%
FPDA with First Year Interest Bonus3
  • 2.50%
SPDA4
  • 1.00%
FPDA4
  • 1.00%

$25,000 TO $99,999
SPDA with First Year Interest Bonus2
  • 3.50%
FPDA with First Year Interest Bonus3
  • 2.50%
SPDA4
  • 1.00%
FPDA4
  • 1.00%

$100,000 TO $499,999
SPDA with First Year Interest Bonus2
  • 3.50%
FPDA with First Year Interest Bonus3
  • 2.50%
SPDA4
  • 1.20%
FPDA4
  • 1.05%

$500,000 TO $999,999
SPDA with First Year Interest Bonus2
  • 3.70%
FPDA with First Year Interest Bonus3
  • 2.70%
SPDA4
  • 1.60%
FPDA4
  • 1.45%

$1 MILLION AND ABOVE
SPDA with First Year Interest Bonus2
  • 4.00%
FPDA with First Year Interest Bonus3
  • 3.00%
SPDA4
  • 1.90%
FPDA4
  • 1.75%

January 2020 rate credited after initial lock-in period expires5.

UNDER $10,000
SPDA with First Year Interest Bonus6
  • 1.00%
FPDA with First Year Interest Bonus7
  • 1.00%
SPDA8
  • 1.00%
FPDA9
  • 1.00%

$10,000 TO $24,999
SPDA with First Year Interest Bonus6
  • 1.00%
FPDA with First Year Interest Bonus7
  • 1.00%
SPDA8
  • 1.00%
FPDA9
  • 1.00%

$25,000 TO $99,999
SPDA with First Year Interest Bonus6
  • 1.00%
FPDA with First Year Interest Bonus7
  • 1.00%
SPDA8
  • 1.00%
FPDA9
  • 1.00%

$100,000 TO $499,999
SPDA with First Year Interest Bonus6
  • 1.00%
FPDA with First Year Interest Bonus7
  • 1.00%
SPDA8
  • 1.20%
FPDA9
  • 1.05%

$500,000 TO $999,999
SPDA with First Year Interest Bonus6
  • 1.20%
FPDA with First Year Interest Bonus7
  • 1.20%
SPDA8
  • 1.60%
FPDA9
  • 1.45%

$1 MILLION AND ABOVE
SPDA with First Year Interest Bonus6
  • 1.50%
FPDA with First Year Interest Bonus7
  • 1.50%
SPDA8
  • 1.90%
FPDA9
  • 1.75%

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 Bonus2
  • –
  • 3.50%
  • 3.50%
  • 3.50%
  • 3.70%
  • 4.00%
FPDA with First Year Interest Bonus3
  • –
  • 2.50%
  • 2.50%
  • 2.50%
  • 2.70%
  • 3.00%
SPDA4
  • –
  • 1.00%
  • 1.00%
  • 1.20%
  • 1.60%
  • 1.90%
FPDA4
  • 1.00%
  • 1.00%
  • 1.00%
  • 1.05%
  • 1.45%
  • 1.75%

January 2020 rate credited after initial lock-in period expires5.

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 Bonus6
  • 1.00%
  • 1.00%
  • 1.00%
  • 1.00%
  • 1.20%
  • 1.50%
FPDA with First Year Interest Bonus7
  • 1.00%
  • 1.00%
  • 1.00%
  • 1.00%
  • 1.20%
  • 1.50%
SPDA8
  • 1.00%
  • 1.00%
  • 1.00%
  • 1.20%
  • 1.60%
  • 1.90%
FPDA9
  • 1.00%
  • 1.00%
  • 1.00%
  • 1.05%
  • 1.45%
  • 1.75%

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 January 2020 is 1.00%.

WoodmenLife Deferred Annuities In-Force Rate10

Values under $25,000
  • 3.00%

VALUES $25,000 AND ABOVE
  • 3.00%

  Values under $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.

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Disclosures

  1. Single Premium Deferred Annuity (SPDA) with First Year Bonus (Form 7961-XX-0707; 7961-02-0905). Not available in NH. Flexible Premium Deferred Annuity (FPDA) with First Year Bonus (Form 7963-XX-0707; 7963-02-0905). Not available in NH. Single Premium Deferred Annuity (SPDA) (Form 7962-XX-0707; 7962-02-0905; 7962-31-1012). Not available in NH. Flexible Premium Deferred Annuity (FPDA) (Form 7964-XX-0707; 7964-02-0904; 7962-31-1012). Not available in NH.
  2. The First Year interest rate on the Freedom Series Single Premium Deferred Annuity (SPDA) with a First Year Interest Bonus is guaranteed for the first certificate year and includes the first-year-only interest bonus of 2.50%. Renewal (Current) interest rates are credited after the first certificate year. Renewal (Current) interest rates are set monthly by WoodmenLife and will never be lower than the minimum guaranteed interest rate.
  3. The First Year interest rate on a Flexible Premium Deferred Annuity (FPDA) with a First Year Interest Bonus is guaranteed for the first certificate year and includes the first-year-only interest bonus of 1.50%. Renewal (Current) interest rates are credited after the first certificate year. Renewal (Current) interest rates are set monthly by WoodmenLife and will never be lower than the minimum guaranteed interest rate.
  4. During the initial lock in period, the interest rate will not change. Lock in periods of one month or one year are available.
  5. After the inital 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 January 2020 is 1.00%.
  6. Single Premium Deferred Annuity (SPDA) with First Year Bonus (Form 7961-XX-0707). Not available in NH.
  7. Flexible Premium Deferred Annuity (FPDA) with First Year Bonus (Form 7963-XX-0707). Not available in NH.
  8. Single Premium Deferred Annuity (SPDA) (Form 7962-XX-0707). Not available in NH.
  9. Flexible Premium Deferred Annuity (FPDA) (Form 7964-XX-0707). Not available in NH.
  10. WoodmenLife Deferred Annuities are not available for purchase. The in-force rates below apply to products previously purchased.

Products are not available in New York and all products may not be available in all states.

WEB99 - 1/1/2020