Life Insurance Company of the Southwest Introduces New UL Product for Mortgage Protection Market

Life Insurance Company of the Southwest (LSW), a member of National Life Group, has introduced Foundation Universal Life, a flexible, low premium insurance policy that offers the option to provide permanent death benefits and cash value growth potential.

Designed primarily for the mortgage protection market, Foundation UL will provide at least 20 years of coverage by paying the minimum premium, based on current illustration assumptions. It can also serve as an alternative to term products and has applications for the personal and business markets where there is a need for a fixed universal life product.

Foundation UL is accompanied with a comprehensive rider portfolio including LSW's no additional cost accelerated benefits riders which provide money in the event of a terminal, chronic, or critical illness. These riders are unique to Foundation UL as traditional mortgage insurance plans typically do not provide these living benefits. (Payment of accelerated benefits will reduce cash value and death benefit. Benefits are not mutually exclusive. Using one benefit may reduce or eliminate another.)

"Foundation UL was designed to provide an alternative to term insurance in the mortgage protection market as it provides high death benefit protection with a low premium outlay. It also offers premium and death benefit flexibility so as your clients needs change, their policy can too," states Douglas Brown, ASA, MAAA, 2nd Vice President, Product Development. Brown adds, "Foundation UL is a complementary fit to our comprehensive product portfolio. National Life Group remains committed to producing high quality products for a multitude of markets to help meet all of our clients' needs."

For more information about Foundation UL, please contact the National Life Group Life Sales Desk at 888-297-3990.

(LSW Foundation UL, form series 8640(0708) 8640ID(0708), and applicable riders are underwritten by Life Insurance Company of the Southwest, Dallas, Texas. Riders are optional and may not be available in all states.)

About National Life Group

National Life Group is a diversified family of financial service companies that has successfully forged a strong identity as a product innovator. Companies in the group offer a comprehensive portfolio of life insurance, annuity and investment* products to help individuals, families and businesses pursue their financial goals.

National Life Insurance Company, a Fortune 1000 company, serves more than 700,000 customers. With combined 2007 revenue of $1.4 billion and net income of $109 million, members of National Life Group employ roughly 900 employees, with most located at its home office in Montpelier, Vt. Group companies also maintain offices in Dallas, New York, San Francisco, Boston and Wayne, PA.

The Group is made up of its flagship company, National Life Insurance Company, founded in Montpelier, Vermont in 1848; Life Insurance Company of the Southwest, Dallas, Texas, and Sentinel Investments, Equity Services, Inc. and National Retirement Plan Advisors, all located in Montpelier.

National Life Insurance Company is licensed in all 50 states and the District of Columbia. Life Insurance Company of the Southwest is licensed in 49 states and the District of Columbia and is not licensed in New York.

*Securities are offered through Registered Representatives of Equity Services, Inc., Member FINRA/SIPC, One National Life Drive, Montpelier, Vermont 05604 (802)229-3900. National Life Group is a trade name of National Life Insurance Company, Montpelier, Vermont and its affiliates. Each company is solely responsible for its own financial condition and contractual obligations.

TC45368(1108)