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national life group
life just got better
Hi [Insert Client Name or Delete]

If life insurance has been on your mind, I’ve got two more reasons to take the step of protecting the people who matter most.

The FlexLife Indexed Universal Life insurance, our most popular permanent life insurance, now comes with:

  • Premium Chronic Care Rider (available at charge): If you get a qualifying diagnosis of chronic illness, you can use this rider to potentially access your full death benefit during your lifetime (up to $3 million). There is no waiting period. (Not available in CA or NY.)
  • Compassionate Care Program: Get support when you or loved ones struggle with health, wellness, or financial challenges, using the Value Added Services Rider. Services provided by Homethrive, which is independent from National Life Group. (Not available in NY.)

I’d like to set up a quick call to talk about everything FlexLife has to offer and how it can meet your family’s needs. When is a good time to connect?

[RR/IAR Name]
[Agency Name]
[Business Address]
[Phone #]
[Email]
[(If in CA or AR) State Insurance Lic. #:]
[Calendly link if applicable]

One National Life Drive, Montpelier, VT 05604 | www.NationalLife.com
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Products issued by
National Life Insurance Company®
Life Insurance Company of the Southwest®

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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.

The Accelerated Benefit Rider for Premium Chronic Care is optional, includes an additional charge, may be subject to exclusions and/or limitations. Premium Chronic Care (PCC) rider benefit payouts are up to 2% or 4% monthly of the death benefit, as chosen at time of issue (subject to the IRS per diem limit). You can reduce but not increase the payout percentage after issue. In addition, the lifetime limit for the PCC rider is independent of the lifetime limit on other Accelerated Benefit Riders. Not available in CA or NY.

The Compassionate Care Program is provided by the Value Added Services Rider, form series 20971(0824)/ICC24-20971(0824). Services are performed by a third-party provider, which is independent of National Life Group, and may be available to the policyowner, insureds, and/or beneficiaries. No costs will be paid or reimbursed by National Life Group for these services. In CA, FL, ND, the same services are provided but without adding the rider to the policy.

An Indexed Universal Life (IUL) insurance policy is usually a fixed universal life (UL) policy where interest is determined, at least in part, by the performance of a specified market index. Unlike traditional UL policies, the policy owner may receive zero interest for a single crediting period if the index performs poorly. However, with most designs, the premiums are protected and guaranteed to credit a minimum interest rate in the event the policy is surrendered. The owner of an IUL policy may experience better interest crediting than a traditional UL policy during periods when the market performs well. IUL policies do not directly participate in any stock or equity investments. An investment cannot be made directly into an index. The amount of interest credited is limited by a “cap”. The 0% floor provided by an IUL policy ensures that during crediting periods where the index is negative, that no less than 0% interest is credited to the index strategy. However, monthly deductions continue to be taken from the account value, including a monthly policy fee, monthly expense charge, cost of insurance charge, and applicable rider charges, regardless of interest crediting.

FlexLife, Indexed Universal Life Insurance, form series 20608(0119)/ICC19-20608(0119), Accelerated Benefits Riders, form series 8052(0798)/8095(0399)/8766(0609)/ICC10-8844(0310)/20805(0222)/ICC22-20805(0222)/20806(0222)/ICC22-20806(0222)/20818(0622)/ICC22-20818(0622)/20972(1024)/ICC24-20972(1024)/ICC24-20974(1024), and Value Added Services, form series 20971(0824)/ICC24-20971(0824) are underwritten by Life Insurance Company of the Southwest.

[Agency Name]'s agents are independent contractors and are not employees of any National Life Group entity.
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.

TC8772472(0226)1 | Cat No 108562(0326)