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TC76192(0913)3 For Agent Use Only – Not For Use With The Public

Life Insurance Company of the Southwest™

National Life Group® is a trade name representing various affiliates, which offer a variety of financial service products.

Term is Back in Term is Back in The GameThe Game

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For Agent Use Only – Not For Use With The Public

Rate change to be consistently competitive

with the best in the industry….

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For Agent Use Only – Not For Use With The Public

…but it’s not just a rate change!

Streamlined “No Fluid” Underwriting

Expanded Range of Issue Ages

Additional Rate Class

Highlights

+ More+ More

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For Agent Use Only – Not For Use With The Public

How Have The Rates Changed?

On nonsmokers, we are dropping our premium rates and expanding our range of available issue ages.

We are increasing most of our smoker premium rates, yet still remaining competitive.

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For Agent Use Only – Not For Use With The Public

Premium RatesPremium RatesBefore and AfterBefore and After

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For Agent Use Only – Not For Use With The Public

Annual premium on a male, Elite Preferred Nonsmoker, $250,001 10-year term

Age 35 Age 45 Age 55 Age 65

Lowest rate in the marketplace

$110 $190 $433 $1240

Term before $217 $397 $827 $2130

Term is designed to have the right comp and underwriting for the middle market,

such as having a commissionable policy fee that makes a huge comp difference on smaller policies

TermTerm

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For Agent Use Only – Not For Use With The Public

Annual premium on a male, Elite Preferred Nonsmoker, $250,001 10-year term

Age 35 Age 45 Age 55 Age 65

Lowest rate in the marketplace

$110 $190 $433 $1240

Term after $160 $270 $585 $1613

… it also is being repriced to have more competitive premium rates

Age 35: our commissionable premium is $160, theirs is $45

TermTerm

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For Agent Use Only – Not For Use With The Public

Available Rate Available Rate ClassesClasses

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For Agent Use Only – Not For Use With The Public

Standard Plus

Face Amounts of $250,000 or Less

Verified Standard Non-Tobacco

Express Standard Non-Tobacco

Standard Tobacco

Face Amounts of $250,001 or More

Elite Preferred Non-Tobacco

Preferred Non-Tobacco

Standard Plus Non-Tobacco

Verified Standard Non-Tobacco

Express Standard Non-Tobacco

Preferred Tobacco

Standard Tobacco

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For Agent Use Only – Not For Use With The Public

Expanded Range of Issue Ages

Term

Maximum Issue Age

++5 Years

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For Agent Use Only – Not For Use With The Public

Issue Ages

Term Period Term Plan Issue Age Range

10 Years 10-G 18 – 75

15 Years 15-G, 15-NG Nontobacco: 18 – 75

Tobacco*: 18 – 70

20 Years 20-G, 20-NG Nontobacco: 18 – 70

Tobacco*: 18 – 65

30 Years 30-G, 30-NG Nontobacco: 18 – 55

Tobacco*: 18 – 50

*includes Express Standard Nontobacco on LSW Term.

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For Agent Use Only – Not For Use With The Public

Shortened Conversion Periods

Final

Conversion

Date!

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For Agent Use Only – Not For Use With The Public

Full Commission on

Conversions.

Full suite of permanent

products available.

• 10 Years on 10 Year Term• 12 Years on 15 Year Term• 15 Years on 20 Year Term• 20 Years on 30 Year Term• Not beyond age 70• Ages 66 and higher – 5 years

Encourages your clients to convert sooner!

Term

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For Agent Use Only – Not For Use With The Public

Increased Policy Fee

0102030405060708090

100

Before After

Policy Fee

$72

$95Fully Commissionable!

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For Agent Use Only – Not For Use With The Public

Age Nearest Birthday

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For Agent Use Only – Not For Use With The Public

Streamlined Underwriting• No routine medical

• Face amount of $250,000 or less

• Age 65 or younger

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For Agent Use Only – Not For Use With The Public

Destination:Straight Through Processing

e-App

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For Agent Use Only – Not For Use With The Public

Transition Rules

Before October 28th October 28th and After

Old Rates New Rates

Want to switch a pre-October 28th application to the new rates?

Send us a signed illustration using the new rates, otherwise normal re-write rules apply.

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For Agent Use Only – Not For Use With The Public

For More Information

• Visit the web for NLGroupU

www.nationallifegroup.com

• National Life Group Sales Desk

– 800-906-3310