Offer Retirement Solutions That are Real and Reliable
By the end of this section you will be able to walk clients through tax benefits, contribution strategies, and withdrawal scenarios using real numbers
National Life Group offers a suite of solutions tailored for retirement savers, including:
Indexed Annuities with five crediting strategies and a 0% floor1
Guaranteed Lifetime Income Riders (GLIR) to ensure income clients can’t outlive2
When mutual funds + annuities are preferred, the Balanced Opportunities Platform, integrates annuities with mutual funds, enrollment tools, and participant education — all in a compliant, turnkey platform
Each product is backed by tools like the ForeSight™ illustration system and mobile apps for quote generation. Make sure clients understand that principal and credited interest are protected, and that income can be guaranteed for life, even if the account value goes to zero.
403(b)(9) Reminder
When working with clergy, consider how a 403(b)(9) annuity with GLIR can not only provide income for life — but may also qualify for housing allowance tax exclusions in retirement.
Fixed Indexed Annuities
Serving clients can be rewarding in many ways. But cookie-cutter products are not what we do. That’s why in the states where approved for sale we offer plan participants flexible premium indexed annuity products.
Featuring five crediting options, our products are designed with the customer at heart and each product can address specific needs for long- and short-term growth or income goals.
403(b)(9) Tip
Currently clergy can still exclude income as a parsonage allowance from a 403(b)(9) even if it’s paid from an annuity in retirement. Game-changer for minimizing tax burden!
Guaranteed Lifetime Income Rider
As lifespans grow, clients are more likely now to run out of money during retirement. To help solve this, we offer the Guaranteed Lifetime Income Rider (GLIR) on our indexed annuity products.
GLIR is another powerful solution for you to illustrate for 403(b) participants. It provides the option for a guaranteed income stream based on each client’s situation. Most importantly, it helps tackle one of their largest fears — outliving retirement income.
403(b)(9) Tip
Combining a GLIR annuity payout with a parsonage exclusion means clergy can receive guaranteed income that’s potentially tax-free on the portion used for housing.
Group Annuity
A group annuity contract is an annuity purchased and held by an employer on behalf of its employees and are used in FICA Alternative Retirement Plans. The same annuities available for individual contracts are also available for group contracts.
Special Use Case: Balanced Opportunities Platform (BOP)
Balanced Opportunities is a turn-key recordkeeping platform for employers who require a mutual fund offering in addition to National Life Group fixed indexed annuities. It also provides helpful participant enrollment technology, education, and other services on a single retirement platform.
You must be FINRA Series 65 Registered as an Investment Adviser Representative (IAR) to be able to sell the mutual funds on BOP.
A Word on the Power of Illustrations
The NLGroup Illustrations – ForeSight™ Web is available to
Show accumulation value over various timelines
Project guaranteed annual income benefits starting at different ages
Sum-up the total income benefit based on a specified age and number of years
Highlight premium allocations among the five index crediting options
The “Quick Quote” app lets you project GLIR on your mobile device or tablet. You can discuss this value with clients, but the mobile app itself is not approved to show to clients.
Additional Tools & Resources are available on the Agent Portal.
To go there directly:
Don’t know who to contact?
Send an email to the team at RetirementServices1@NationalLife.com
or call 866-243-7174
Source: IRS 2025
* This hypothetical example is used for illustrative purposes only. Actual results will vary.
** Please ensure you follow state and National Life Group rules regarding client testimonials and how/where they may be used.
- The index strategies of fixed indexed annuities credit interest based in part on the change in a market index such as this one. Indexed annuities do not directly participate in any stock or equity investments. When discussing this or other index strategies with your client, explain that this is not an investment in the market and that this is a method for crediting interest and disclose any cap, participation rate or threshold that will apply. For an Index with volatility control and the additional costs deducted from the Index value, the positive Index value change may be less than that of similar indices that do not include volatility control and do not deduct these costs. When included in a fixed indexed annuity with the protection of a 0% or 1% floor, the benefit of reduced downside will not be realized for index returns below 0% or 1%. Indexed annuities do not directly participate in any stock or equity investments. This is not a solicitation of any specific annuity contract. Guarantees are dependent upon the claims-paying ability of the issuing company. Assuming no withdrawals made during the surrender charge period and no rider charges.
- Guaranteed Lifetime Income Riders (GLIRs) are only available to purchase on Life Insurance Company of the Southwest (LSW) fixed indexed annuities. Riders are an optional benefit for which premium is charged, are available at issue only, and may not be available in all states.
Registered Representatives and Investment Adviser Representatives of, and securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC. Equity Services, Inc. is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company (NLIC). National Life Group® (NLG) is a trade name of NLIC, Montpelier VT, Life Insurance Company of the Southwest (LSW), Addison TX and its affiliates. Each company 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. In CO, MO, NH and WI, Equity Services, Inc. operates as Vermont Equity Services, Inc
The companies of National Life Group® and their representatives do not offer tax or legal advice. Please encourage your clients to seek tax or legal advice from their appropriate professional advisor.
FOR AGENT USE ONLY – NOT FOR USE WITH THE PUBLIC
TC8049010(0625)3 | Cat No 108134(0625)