National Western Life Impact

Definitions for Option U Formula

Interest Credit Option U Formula: ([(A/B) x C] – D) x E

Index Value for the current Policy Year minus Index Value on Prior Anniversary (or Policy Date if the first Policy Year)

A

Index Value on the Prior Anniversary (or Policy Date)

B

Participation Rate for the current Policy Year

C

D

Asset Fee Rate for the current Policy Year

Premium (For Policy Year 1, premiums received within 20 days after the Policy Date, or in subsequent years, the previous Policy Anniversary Account Value)

E

E

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