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man and woman biking in the mountains and discussing multirate single premium deferred annuity and annuities

MultiRate Single Premium Deferred Annuity (SPDA)

MultiRate is a single premium deferred annuity (SPDA) that offers the flexibility to spread your premium among six interest rate guarantee periods. Spread premium to help anticipate future rate increases, provide balance for more stability, or lock in rates for a longer time. Other benefits include a first-year interest rate enhancement, tax-deferred growth, limited free withdrawal privileges and a 100% return of premium guarantee

Issuer(s): Western-Southern Life Assurance Company

Single Premium Deferred Annuity contract series 0407-5590-I WSA

Payment of benefits under an annuity contract is the obligation of and is guaranteed by, the insurance company issuing the annuity. Guarantees are based on the claims-paying ability of the insurer. All are members of Western & Southern Financial Group. W&S Financial Group Distributors, Inc. (doing business as W&S Financial Insurance Services in CA) is an affiliated life insurance agency of the issuer. The issuer has sole financial responsibility for its products. This contract has limitations. Annuity benefits offered may vary due to misstatement of sex or age. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.

Earnings and pre-tax premium payments are subject to income tax at withdrawal. Withdrawals prior to age 59½ are generally subject to a 10% IRS penalty tax. A charge may be assessed against the annuity value if a withdrawal is made during the withdrawal period is made that exceeds the free amount.

Western & Southern member companies and their agents do not offer tax advice. For specific tax information, consult your attorney or tax advisor.

Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for availability, details, and limitations.

No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.