NWL Impact 10 – Bonus Growth, Flexible Income, and Strong Protection
At Diversified Insurance Brokers, we help clients find annuity solutions that offer safety, growth, and income built for the long haul. The NWL Impact 10 Fixed Indexed Annuity, issued by National Western Life Insurance Company, delivers a powerful combination of premium bonuses, income options, and protection features—all backed by a long-standing, trusted carrier.
If you’re looking for a solid foundation to grow your retirement income while protecting your principal, the Impact 10 offers exceptional long-term value.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
7% Premium Bonus with Long-Term Vesting
The 7% premium bonus on first-year contributions is one of the standout features of the Impact 10. It vests over a 10-year schedule, providing enhanced value for clients focused on long-term retirement planning.
Want to see how the bonus could grow your income?
👉 Request Your Custom Annuity Quote
Growth with Market Protection
The NWL Impact 10 includes several interest crediting strategies, including:
-
S&P 500-linked options for market participation
-
Fixed interest strategies for stable, predictable growth
All options include a 0% floor, protecting your principal during down markets while still offering upside opportunity during periods of growth.
Access and Income Flexibility
The annuity provides multiple ways to access funds and secure income over time:
-
10% penalty-free withdrawals annually starting in year two
-
Waivers for terminal illness, qualified medical stays, and RMDs
-
Policy loans up to 60% of account value, available after two months (varies by state)
-
Lifetime income options, including single or joint annuitization and optional withdrawal benefit riders
-
Spousal continuation and full death benefit access for your beneficiaries
These benefits create a balanced strategy—allowing for growth, income, and access to funds when life changes.
Backed by National Western Life and Expert Guidance
National Western Life Insurance Company, founded in 1956, is known for its financial strength and dedication to long-term product security. With the support of Diversified Insurance Brokers, you’ll receive personalized guidance to ensure the NWL Impact 10 is structured around your goals, timeline, and income needs.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
What is the NWL Impact 10 annuity?
NWL Impact 10 is a fixed-indexed annuity designed to provide long-term growth potential with full principal protection. It offers index-linked crediting strategies, fixed interest options, and tax-deferred accumulation for retirement planning.
How does the Impact 10 annuity earn interest?
Interest is credited based on selected market indexes using methods such as participation rates, caps, or spreads. While credited interest can vary, negative market performance will not reduce your principal.
Is my principal safe in the NWL Impact 10?
Yes. The annuity protects your principal from market losses. Even if an index performs negatively, credited interest will not fall below zero, and your contract value cannot decline due to market volatility.
Does the Impact 10 offer tax-deferred growth?
Yes. Interest grows tax-deferred until withdrawn, allowing compound growth over time without being reduced by current-year taxes.
What liquidity features are available?
NWL Impact 10 typically provides annual penalty-free withdrawals up to a certain percentage of the contract value. Additional liquidity may be available in qualifying circumstances depending on the contract version.
Does this annuity offer income options?
Yes. You may convert the contract value into a guaranteed income stream for life or for a specific period. Optional features may also be available to support retirement income planning.
What happens to my beneficiaries?
The annuity includes a death benefit, generally equal to the remaining contract value. This allows your beneficiaries to receive any unused funds directly.
Are there surrender charges?
Yes. Withdrawals above the penalty-free allowance during the surrender charge period may incur surrender fees. These charges typically decrease over the life of the contract.
What are the main trade-offs?
Trade-offs may include limited liquidity, caps or limits on index-linked gains, and potentially lower performance compared to direct market investing in strong market periods.
Who is NWL Impact 10 best suited for?
This annuity is ideal for individuals seeking principal protection, long-term stability, tax-deferred accumulation, and optional retirement income, without the risks associated with direct market exposure.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
