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Annuities Additional Disclaimers

FootNote 1Guarantees are based on the claims-paying ability of the issuing company. FootNote 2Standard Poors, SP, SP 500, Standard Poors 500, and 500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Life Insurance Company of the Southwest. The product is not sponsored, endorsed, sold or promoted by Standard Poors and Standard Poors makes no representation regarding the advisability of purchasing the

Benefits

What fits your lifestyle? We have our traditional career channel with a competitive benefits package and incentives, as well as our independent channel that offers more flexibility. Or maybe youd like the best of both worlds? We also have a channel that offers the support of a career office with the entrepreneurial spirit of an independent contract. It's all about where you are in your career and what works for you.

Your success

Our Womens Inclusion Network (WIN) is a community designed for your success. WIN gives you access to the expertise of other successful women working with National Life -- providing you authentic and honest insight to help you achieve your full potential.

Solutions

National Life is a pioneer in the living benefits arena and a leader in the educator market. Whoever we are serving, our philosophy is the same. Its not just about the product. Its about the people. You know them. They are your Main Street. Thats who we serve: Main Street, not Wall Street. That's how we began and thats where we thrive.

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Next steps Find out what is best for you and your unique situation: Work with your agent or a financial/tax professional. Learn about the process of taking a life insurance loan. Get answers to further questions about taking a life insurance loan (if you have a National Life Group life insurance policy), by contacting our Customer Experience Center. Initiate a loan using the mobile app or online customer portal. Ask your

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Can you take a loan against your life insurance policy? Yes - if you have permanent life insurance and sufficient cash surrender value that can be used as collateral. All types of life insurance provide death benefit protection, but only permanent life insurance offers the ability to build cash surrender value. A life insurance loan provides access to that cash surrender value you have the right to borrow money from your insurance company

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Should you pay off your life insurance loan? If you no longer need cash and can start repaying the loan, you may want to make loan repayments. Its always a good idea to at least pay the interest on the loan, due on the policy anniversary (not on the anniversary of the loan). If you dont pay the interest, the loan amount is increased to pay for the interest. Over time, this can have a significant impact on the cash surrender value of your policy

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What is the loan value of a life insurance policy? How much you can borrow depends on the current cash surrender value of your cash policy, which will be used as collateral if you take a loan. This cash surrender value is different from the death benefit, or face amount, which is the money your loved ones get when you die. When a policy is referred to with a dollar amount (for example, a $1 million dollar policy), that amount reflects the death

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You can get your funds quickly If you have sufficient cash surrender value, you have the right to borrow against your policy. You dont need to go through an approval process. It may take up to 3-5 business days to process your request once we have all necessary information. The quickest way to initiate a life insurance loan is using the mobile client app or online customer portalOpens in new Tab. Opens in new Tab Opens in new Tab