per year? I thought that was a monthly limit?

for unverified accounts it's yearly. If you want to increase the limits, need to verify your ID and address

Are these limits (withdraw $1000/ load $2500) lifetime or yearly limits?

Another option is to order a new card once you reached the limits.

Does that mean that I can order a new card after each $1000 (5x$200) ATM withdrawal?

technically you can, yes. Unless you prefer to provide copies of ID and proof of address to get verified