National Life Group Gift for Life

Indexed Universal Life Insurance from National Life Group

Protecting What Matters Most

IUL Offers:

Permanent death benefit protection with flexible coverage and premiums

Upside cash value accumulation potential, with downside protection

Living benefits to help pay expenses for qualifying terminal illness, chronic illness, critical illness or critical injury1

Potential for guaranteed income for life through LIBR2




Industry-Leading IUL Products with Expanded Solutions

EZ Underwriting and express classes available up to $2 million in Face Amount, for faster and hassle-free policy issue.

ABR Chronic waiting period reduced from two years to 30 days.

Bonus options3 to help meet the risk tolerance and expectations for each client:

FlexLife

Accumulated Value Enhancement (AVE), with 10% bonus to each indexed credit starting in year 6, up to an interest bonus cap rate of 0.75% of the index segment value at no additional charge.

PeakLife

Three bonus options:

Enhancer: Every PeakLife policy comes with the base level Enhancer at no extra cost. Enhancer is ideal for a person who is buying PeakLife for its protection and cash value accumulation potential but is not interested in paying for any additional index crediting potential. With Enhancer, if the index strategy earns interest, Enhancer provides a small bonus. For crediting periods when the index declines, no bonus is credited.


Enhancer Plus - The next step up the cost/reward ladder. Enhancer Plus is ideal for a person who has a moderately positive outlook on the index and is willing to take a small cost in order to increase their upside potential. The cost is deducted every year, but the bonus is only credited if the index strategy earns interest.


Enhancer Max - Designed for a person with an aggressive outlook on the index who wants the greatest potential bonus in exchange for the highest cost. As with Enhancer Plus, the cost is deducted every year, but the bonus is only credited if the index strategy earns interest. For additional flexibility, clients can choose to change to Enhancer Plus or Enhancer Max and back again as best suits their situations.

PeakLife Enhancer Bonus Rate Sheet

Current rates will be determined by the Company and may change from time to time based on expectations of future anticipated or emerging experience. While the current rates are not guaranteed, they will never be worse than guaranteed rates. The Interest Bonus Percentages and the Maximum Interest Bonus Percentages for the Enhancer bonus levels will never be lower than the guaranteed rates. The Interest Bonus Charge Percentage for the Enhancer bonus levels will never be higher than the guaranteed rates.


PeakLife Enhancer Bonus Rate Sheet

Cat No. 104974




6 Crediting Strategies to Diversify Cash Values

Strategies range from several S&P-based choices to a volatility-controlled
Credit Suisse option and global-focused Hang Seng index. Plus a Fixed Account!

Standard & Poor’s Composite Index of 500 Stocks (S&P 500®)
Cap Focus Strategy
(Point-to-Point)
  • Higher Cap Rate than our other strategies.
  • Participation Rate will always be equal to or greater than 100%.
  • Guaranteed Minimum Cap 3.1%.
Participation Focus Strategy
(Point-to-Point)
  • Higher Participation Rate than our other strategies.
  • Participation Rate will be at least 110% or greater.
  • Guaranteed Minimum Cap 3.0%.
1% Floor Strategy
(Point-to-Point)
  • Guarantees a Floor of 1%.
  • Participation Rate will always be equal or greater than 100%.
  • Guaranteed Minimum Cap is 2.1%.

Hang Seng
Hang Seng
(Point-to-Point)
  • Participation Rate will always be equal to or greater than 100%.
  • Guaranteed Minimum Cap is 3.0%
Credit Suisse
Balanced Trend
(Point-to-Point)
  • Participation Rate will always be equal to or greater than 50%.
  • We guarantee no Cap on this strategy.
Fixed Accounts
Fixed Term Strategy
  • Credited daily, a fixed interest rate declared by the company and guaranteed for one year.
  • We offer guaranteed minimum declared rate guarantees for this strategy. Rates differ by product. Please see specific IUL product guide for more information.

Learn more about the basics of indexing, and access more materials
on the Credit Suisse Balanced Trend Index strategy:


View the IUL Index eKit



Potential for Tax-Free Income for Life with LIBR

A competitive feature that guarantees tax-free retirement income for life once qualifications are met to exercise the rider. The Lifetime Income Benefit Rider (LIBR) turns what your clients have saved into retirement income that they can never outlive. LIBR is automatically added to a policy at issue.





With Living Benefits to Protect Your Clients in Case They Become Seriously Ill or Injured

Accelerated Benefits Riders are optional, no-additional cost riders that can allow a client to access all or part of the death benefit, while living, if the client experiences a qualifying terminal, chronic, or critical illness, or critical injury.





Agent Training Materials


FlexLife

PeakLife




Educate Your Clients


Buyer's Guides

Case Studies

Enhancer




View the Training Schedule and Register
Indexed Universal Life Insurance from National Life Group

Protecting What Matters Most

Questions?

Contact the National Life Group Sales Desk at 800-906-3310, option 1