This website ("Site") is provided by National Life Group. By using this Site or downloading materials from the Site, you agree to abide by the terms and conditions set forth in this Privacy Policy, Terms of Use & Legal Information section ("Policy"). If you do not agree to abide by these terms and conditions, do not use the Site or download materials from the Site. National Life Group may at any time revise this Policy by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the then current Policy. As used in this Policy, the term "National Life Group" includes National Life Insurance Company and all of its affiliated and subsidiary companies and entities.
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NATIONAL LIFE GROUP CONTACT INFORMATION
Any questions, suggestions or concerns that you have regarding National Life Group or this Site should be sent to: webmaster@NationalLife.com.
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National Life Insurance Company (National Life), NAIC Company Code 66680, is licensed to do business in all states and the District of Columbia. It's home office is located in Montpelier, Vermont.
Life Insurance Company of the Southwest (LSW), NAIC Company Code 65528, is licensed to do business in 49 states and the District of Columbia. LSW is not licensed in New York. It's home office is located in Addison, Texas.
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Each member company of National Life Group has an established "Privacy Policy." These policies are accessible by clicking here. In addition to these Policies, and because National Life Group is sensitive to privacy issues on the Internet, we have adopted the following Supplemental Privacy Policy for this Site. We encourage you to review and become familiar with not only each member company's privacy policy but also with the following Supplemental Privacy Policy. When utilizing this Site, both sets of privacy policies will apply.
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SUPPLEMENTAL PRIVACY POLICY
"Personal Data" is personal and/or confidential information that relates to you and your account, policy, contract or affiliation with National Life Group.
"Communications" are any non-confidential and non-proprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.
"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number.
"Non-Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link.
All Communications, except for Personal Data and Personal Information, will be treated as non-confidential and non-proprietary, will become the property of National Life Group and may be used for the purposes described herein.
TOPIn general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, Non-Personal Information may be automatically collected, such as your Internet Browser, computer operating system, domain name of your Internet service provider and/or the website from which you linked to our Site.
Personal Information about you (e.g., your name, address, telephone number, social security number, and/or email address) will not be collected unless you provide it to us voluntarily. For example, National Life Group retains e-mail addresses of visitors who respond the Site's e-mail forms, online forms, registration forms and surveys and contest entries. National Life Group also retains information about the frequency of Site visits, length of time of the visit and aggregate information on which Site page visitors access.
National Life Group sends Internet visitors "Cookies." A Cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. National Life Group's Cookie enables the Site to recognize you if you have a National Life Group account or have utilized certain Site features. In addition, the Cookie may recall information so that you do not have to re-submit it, and also automatically updates Site information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline or delete them. Please note that you must have cookies enabled in your browser software to be able to log in to the website.
When you perform a search with National Life Group's search engine, National Life Group does not record information identifying you or linking you to the search performed. As necessary to provide service, National Life Group does record limited information for every search request and uses that information only to solve technical problems with the Site, to calculate overall usage statistics and to improve the structure and content of the Site.
National Life Group will primarily use Communications to respond to your request(s). National Life Group may use Personal Information for feedback purposes, marketing and promotional purposes and for a statistical analysis of users' behavior. Furthermore, National Life Group retains the right to use ideas, concepts, know-how or techniques contained in any Communications you send to the Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-Personal Information may be aggregated for internal review and used to improve the Site's content and its structure. This information will be discarded.
National Life Group does not distribute Personal Data, Personal Information or Communications to unaffiliated third parties unless such third parties are under contract with National Life Group for administrative support and services. National Life Group will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether Personal Data, Personal Information or Communications) to unaffiliated third parties, unless National Life Group has contracted with such third parties to provide administrative support and services. In such an event, we will contractually require these service providers to protect such information and provide the same level of confidentiality that National Life Group provides.
When you choose not to provide Personal Information. When you choose not to provide a personally identifiable Communication, we may not be able to respond to your request. You may receive an error message displayed on your browser.
How to access, update & correct Personal Information. Use the contact listed in National Life Group Contact Information above.
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The material on the Site is provided for informational purposes only. It does not, and is not intended to, provide any financial, insurance, legal, accounting, tax or other professional advice, and should not be relied upon by you in that regard. It is not a substitute for professional advice from a competent, independent advisor in your jurisdiction.
THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. National Life Group DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. National Life Group DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU (AND NOT National Life Group) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.
Under no circumstances, including but not limited to negligence by act or omission, shall National Life Group or any party involved in creating, producing or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if National Life Group or a representative authorized by National Life Group has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall National Life Group's total liability to you for all damages, losses and causes of action exceed the amount paid by you, if any, for accessing the Site.
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If you use any links provided in the Site to websites not owned, maintained nor hosted by National Life Group ("Off-sites"), you will leave the Site. National Life Group is not responsible for any Off-site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness or suitability of the content of any Off-sites, and National Life Group takes no responsibility for such sites. A link to a service or website outside of the Site is not an endorsement of the service or the website, its content or its sponsoring organization.
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The Site is owned and operated by National Life Group. No materials found on the Site or any other site owned, operated or licensed by National Life Group may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without the prior written permission of National Life Group. You may access material on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio or video without National Life Group's prior written permission. National Life Group neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with National Life Group.
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The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all states.
All insurance and/or securities transactions are conducted based on signed written agreements between National Life Group and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of the Site constitutes your agreement to the additional Terms of Use applicable to such use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.
Your use of this Site, and its Privacy Policy, Terms of Use & Legal Information shall be construed and controlled by the laws of the State of Vermont. Further, any dispute arising from your use of this Site, or its Privacy Policy, Terms of Use & Legal Information, or a breach thereof, shall be governed by the laws of the State of Vermont. By accessing this Site, you agree to personal jurisdiction by the state and federal courts sitting in the State of Vermont.
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TRADEMARKS, SERVICE MARKS AND COPYRIGHTS
Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site and the Site's contents are the property of National Life Group and may not be used without National Life Group's prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.
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It is entirely possible that you may not qualify for some of the listed premium rates. The premium rates are being provided for general information purposes only and are subject to National Life Group's underwriting and other requirements. To obtain a more detailed and accurate plan for your personal situation, we recommend you contact an authorized National Life Group sales representative.
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Neither the online calculators nor their use are intended to supply advice of any type, including, without limitation, investment or tax advice. Although the services may contain information, e.g., data regarding retirement investing, such information is intended to be educational in nature, and does not constitute an endorsement or recommendation of any security or investment program, service or the suitability thereof for you. The information provided in the online calculators is not intended to supply professional tax, accounting, financial or legal advice, for which you should seek a personal consultation with a professional provider of such services. National Life Group does not offer legal or tax advice.
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Securities and investment advisory services are offered through registered representatives and investment adviser representatives of Equity Services, Inc., Member FINRA/SIPC, broker-dealer and registered investment adviser affiliate of National Life Insurance Company, Montpelier, VT 05602 (802) 229-3900. Follow-up, individualized responses to persons by Equity Services, Inc. involving the rendering of personalized investment advice or effecting or attempting to effect securities transactions, will not be made absent compliance with state registration requirements.
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SENTINEL INVESTMENTS / SENTINEL FUNDS DISCLOSURE
Sentinel Investments is the unifying brand name for Sentinel Financial Services Company, Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc.
Sentinel Funds are distributed by Sentinel Financial Services Company, member FINRA, One National Life Drive, Montpelier, Vermont 05604.
Please consider a fund's objectives, risks, charges and expenses carefully before you invest. The prospectus contains this and other information. Please read the prospectus carefully before you invest or send money. Investment return and principal value in any of the Funds will vary so that you may have a gain or loss when you sell shares. Mutual funds are not insured by the Federal Deposit Insurance Corporation or any other government agency and are neither guaranteed by, nor deposits or other obligations of, any bank or affiliate.
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National Life's variable contracts are underwritten by National Life Insurance Company and distributed by Equity Services, Inc., Member FINRA/SIPC, broker-dealer and registered investment adviser affiliate of National Life Insurance Company, Montpelier, VT 05604 (802) 229-3900.
Variable products are sold by prospectus. For more complete information, including charges and expenses, please request a prospectus from your registered representative or call (802)229-3900. Please read it and consider carefully the Fund's objectives, risks and charges before you invest or send money. The prospectus contains this and other information about the investment company.
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NATIONAL LIFE GROUP DISCLOSURE
National Life Group ® is a trade name of National Life Insurance Company and its affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. All companies referenced are affiliated unless otherwise noted.
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IMPORTANT CONSUMER INFORMATION
(1) A broker-dealer, investment advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment advisor, BD agent or IA rep requirements, as the case may be; and (2) Follow-up, individualized responses to consumers in a particular state by broker-dealer, investment advisor, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment advisor, BD agent or IA rep requirements or pursuant to an applicable state exemption or exclusion. (3) For information concerning the licensure status or disciplinary history of a broker-dealer, investment advisor, BD agent or IA rep, a consumer should contact his or her state securities law administrator.
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National Life Insurance Company
One National Life Drive . Montpelier, Vermont 05604.
802-229-3333
Information Shared With National Life Group
National Life Group will take appropriate steps to protect all information you share with us. Whenever you provide the Site with Personal Data, National Life Group will take commercially reasonable steps to establish a secure connection with your web browser.
THE SITE CONTAINS SECURED AND NON SECURED SECTIONS. INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. National Life Group CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.
TC84351(0415)P