Protect Clients Against
Life Interrupted
Income tax-free death benefit and flexible coverage through the Guaranteed Flex Rider.1
Living Benefits that provide in the event of a serious qualifying illness or injury — or a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia2
Potential for a guaranteed stream of lifetime income at retirement through the Lifetime Income Benefit Rider (LIBR)3
Opportunity for cash value accumulation with upside potential and downside protection
Option for additional 20- or 30-year term coverage up to 3 times the base amount with the Combo MultiChoice Rider, covering multiple people with one policy
Dial in for the same flexible protection that matters most to your clients…
…and customize coverage with new features and solutions that meet your client’s unique financial needs.
EZ Underwriting and express classes available up to $3 million in Face Amount, for faster and hassle-free policy issue
Bonus options to help meet the risk tolerance and expectations for each client4:
Clients have the choice between an interest bonus and an enhancer bonus. If they choose an enhancer bonus, they can choose between three options: Enhancer, Enhancer Plus, or Enhancer Max.
All enhancer bonuses are credited as a percentage of indexed interest credit (year-over-year index growth). Bonuses start in year six.
Enhancer
Market Outlook: Optimistic
Bonus Level: Guaranteed bonus of 15% of the indexed interest credit
- Bonus starts in the sixth policy year
- Interest bonus maximum is 0.45% (S&P 500) or 0.75% (US Pacesetter or Balanced Trend) of the index segment value*
Cost: No additional charge
Enhancer Plus
Market Outlook: More Optimistic
Bonus Level: Bonus of 45% of the indexed credit earned may be credited
- Bonus starts in the sixth policy year
- Interest bonus maximum is 2.30% (S&P 500) or 3.00% (US Pacesetter or Balanced Trend) of the index segment value*
Cost: 1% of index segment value
Enhancer Max
Market Outlook: Most Optimistic
Bonus Level: Bonus of the indexed credit earned may be credited, according to the planned schedule:
- 95% indexed credit bonus in years 6–20, up to 6.00% (S&P 500) or 7.00% (US Pacesetter or Balanced Trend) of the index segment value*
- 70% indexed credit bonus in years 21-30, up to 4.15% (S&P 500) or 5.00% (US Pacesetter or Balanced Trend) of the index segment value*
- 45% indexed credit bonus in years 31 and beyond, up to 2.30% (S&P 500) or 3.00% (US Pacesetter or Balanced Trend) of the index segment value*
Cost:
3% of the index segment value in years 5-19
2% of the index segment value in years 20-21
1% of the index segment value in years 30 and thereafter
*On a current basis
Crediting Strategies to Diversify Cash Values
US Pacesetter Index
Participation Focus Strategy
(Point-to-Point)
- Participation Rate will always be equal to or greater than 50%.
- We guarantee no Cap on this strategy.
Balanced Trend Index
Participation Focus Strategy
(Point-to-Point)
- Participation Rate will always be equal to or greater than 50%.
- We guarantee no Cap on this strategy.
- Guaranteed 0% Floor.
Standard & Poor’s Composite Index of 500 Stocks (S&P 500®)
Cap Focus Strategy
(Point-to-Point)
- Higher Cap Rate than our other strategies.
- Participation Rate will always be equal to or greater than 100%.
- Guaranteed Minimum Cap 3.1%.
- Guaranteed 0% Floor.
Participation Focus Strategy
(Point-to-Point)
- Higher Participation Rate than our other strategies.
- Participation Rate will be at least 110% or greater.
- Guaranteed Minimum Cap 3.0%.
- Guaranteed 0% Floor.
1% Floor Strategy
(Point-to-Point)
- Guarantees a Floor of 1%.
- Participation Rate will always be equal or greater than 100%.
- Guaranteed Minimum Cap is 2.1%.
Fixed Accounts
Fixed Term Strategy
(Point-to-Point)
- Credited daily, a fixed interest rate declared by the company and guaranteed for one year.
- 0.10% Guaranteed
Credit Suisse
Balanced Trend
(Point-to-Point)
- Participation Rate will always be equal to or greater than 50%.
- We guarantee no Cap on this strategy.
Fixed Accounts
Fixed Term Strategy
- Credited daily, a fixed interest rate declared by the company and guaranteed for one year.
- 0.10% Guaranteed.
Life on a Dial
Dial up or dial down the coverage with features and riders to fine-tune your policy to meet specific needs.
Agent Training Materials
Client Materials
Indexed Universal Life Insurance from PFA and National Life Group
Protection From Life Interrupted
Questions?
Contact the National Life Group Sales Desk at 800-906-3310, option 1
1. Internal Revenue Code § 101(a)(1). There are some exceptions to this rule.
FOR AGENT USE ONLY – NOT FOR USE WITH THE PUBLIC
National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest (LSW), Addison, TX and their affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in NY and does not conduct insurance business in NY.
Additional information about our indexes can be found HERE.
2. Receipt of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy, may result in a taxable event, and may affect your client’s eligibility for public assistance programs. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless the client has a need for life insurance. Riders are optional, may require additional premium and may not be available in all states. Any claim for critical illness or critical injury benefits for a given Qualifying Event must be filed within 365 days following the occurrence of such Qualifying Event. In CA the critical injury rider is only available to clients ages 0 – 64.
3. The Lifetime Income Benefit Rider provides a benefit for the life of the insured if certain conditions are met, including but not limited to the insured’s attained age being between age 60 and 85, and that the policy has been in force at least 10 years. Insufficient policy values or outstanding policy loans may also restrict exercising the rider.
4. The interest bonus is referred to as the Annual Accumulated Value Enhancement (AAVE) rider in the contract. Enhancer, Enhancer Plus, and Enhancer Max only credit a bonus in crediting periods where interest is credited to that strategy, beginning in year 6. If no indexed interest is credited for that period, no bonus will be credited. The charge for Enhancer Plus and Enhancer Max begins in year 5 and occurs for every crediting period, regardless of whether interest is credited.
Consumer materials linked to in this communication are approved for print use only. Please note that email marketing is subject to additional anti-spam requirements, and should be submitted for advertising compliance approval prior to use.
No bank or credit union guarantee | Not a deposit | Not FDIC/NCUA insured | May lose value | Not insured by any federal or state government agency
Guarantees are dependent upon the claims-paying ability of the issuing company.
Centralized Mailing Address: One National Life Drive, Montpelier, VT 05604 | 800-906-3310 | NATIONALLIFE.COM
TC136414(0923)3
Cat No 104774(0524)