National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York.

Brochures and flyers linked to in this communication are approved for print use only. Please note that email marketing is subject to additional anti-spam requirements and may need to be submitted for advertising compliance approval prior to use. Seminars should be submitted for review of your personalization along with any invitations, announcements or other collateral marketing materials.

The use of cash value life insurance to provide a resource for retirement assumes that there is first a need for life insurance. Income can be taken if there is sufficient cash value, using loans, withdrawals, or the Lifetime Income Benefit Rider (LIBR). For permanent life insurance, only loans and withdrawals may be tax-free. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. The ability of a life insurance contract to accumulate sufficient cash value to help meet accumulation goals will be dependent upon the amount of extra premium paid into the policy, and the performance of the policy, and is not guaranteed. Policy loans and withdrawals reduce the policy’s cash value and/or death benefit, loans will become taxable if the policy lapses or is surrendered, and if too much is taken out, the client risks lapsing the policy. Surrender charges may reduce the policy’s cash value in early years.

Guarantees are dependent upon the claims-paying ability of the issuing company.

FOR AGENT USE ONLY – NOT FOR USE WITH THE PUBLIC