0. Life Changes. Protect it.
This is a solicitation of insurance. An insurance agent may contact you.
Life Changes. Protect it.
National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York.
TC60251(0111)

1. There are three common threats people need to consider when planning for the future. . .
We can help you
solve the puzzle!
Through National Life Group’s manufacturing companies, you have access to the products you might need for whatever life brings. From simply making sure your family or business is financially secure in the event of your death, to helping you plan for retirement, in case you’re diagnosed with a terminal, critical or chronic illness, or just want to accumulate income for college funding or taking that trip you’ve always wanted.

2. From term to permanent:
There is a greater than:
1-in-6 chance for males, and a
1-in-9 chance for females
of not surviving until retirement age.1
We’re confident we have the right life insurance product to help you take care of your family or business.
From term to permanent:
our products are built to meet your specific needs.
Even in this modern day and age, the chances of dying before retirement are surprisingly high.
Your family relies on your income, Have you thought about what might happen if you suddenly were not there to provide that income?
Would they be able to keep up with the mortgage? Would your children still be able to fulfill their dreams of college? Even the simple daily activities add up, like buying groceries, auto expenses, and paying utilities.
Ask yourself this: “If you were to unexpectedly die, how long would your family be able to maintain their lifestyle before having to make uncomfortable sacrifices?
Insured husbands in the U.S. carry enough life insurance to replace their income for only 4.2 years and wives only 4.9 years.*
Many experienced agents recommend having enough life insurance to replace income for a term of 7 to 10 years. The typical married couple would need to double their current coverage to be able to provide this level of protection for their spouse.*
Chances are, even if you do have life insurance, you may not have enough. And what if you don’t even have any at all??
Life insurance can provide your family with a reservoir of funds to keep them on track.
*LIMRA International, 2008
1 Life and Health Foundation for Education, 2007

3. What happens to your savings if you’re diagnosed with a major illness?
Of all Americans 65 or older, 1/2 of the women, and 1/3 of the men, can expect to spend at least 2 years in a nursing home.1 The average annual nursing home cost is $123,000.2
What happens to your savings if you’re diagnosed with a major illness?
Our companies offer products that can help protect your assets against the staggering costs of an illness.
What happens if you end up in a nursing home someday? The potential exists that you will. The average cost of this type of care is $123,000. Let’s break that down to a monthly check you or your loved ones would have to write of $10,250. Where will $10,000 a month come from when you’re older?
Or consider if you’re diagnosed with a major illness like MS. Do you have the funds to make your home handicapped accessible when you need to? If not, how will you manage on a daily basis.
Life insurance products provide financial protection and peace of mind for our families in case we die. But they can also provide protection while we are very much alive. Our companies offer products that can help protect your assets against the staggering cost of an illness.
1 Medicare, US Department of Health and Human Services, 2007;
2 Health United States, 2001, Department of Health and Human Services CDC

4. More than 50% of working adults ages 50 to 64 said they may have to delay their retirement, while another 16% said they never expect to stop working.1 
Through National Life Group companies, you have access to products that can provide a stream of income for life, guaranteed2, so you don’t have to worry about outliving your income.
The fear of outliving retirement savings is a very realistic concern to many who face retirement and for good reason. Growing old in America is not what it used to be, and in many ways, that’s a good thing. People are not only living longer, they have better educations – resulting in better health, higher income, and a higher standard of living in retirement.
But there is a flip side to the coin, as Americans continue to live longer a new challenge presents itself: “What if I run out of retirement savings?”
What would be your options? Go back to work? At what age?
Chances are, at a later retirement age, working may be to physically demanding. And even if you are physically capable of working, is that really how you want to spend your final years in retirement?
Fortunately, you have another option: Our insurance products offer features that can provide a stream of income for life, guaranteed.
1The Pew Research Center’s Social & Demographic Trends Project, May 2009
2 Guarantees are dependent upon the claims-paying ability of the issuing company. Restrictions and limitations apply.

5. Life Changes. Protect It.

6. The Power of the Group National Life Group is a Fortune 1000 company
We serve more than 870,000 customers
2009 revenue of $1.6 billion and net income of $72.3 million1
Mutually held since 18482; weathered wars, depressions, recessions and through it all, continued to keep our promises to policy owners
Our Financial Strength Ratings for National Life Insurance Company and Life Insurance Company of the Southwest as of May, 2010:
A.M. Best: A (Excellent – Third highest of 16 rankings)
Standard & Poor‘s: A (Strong – Fifth highest of 21 rankings)
Moody’s: A2 (Good – Sixth highest of 21 rankings)
1 Consolidated results of the National Life Group Companies, which include National Life Insurance Company, Life Insurance Company of the Southwest, Equity Services, Inc., Sentinel Investments, NLV Financial Corporation and National Retirement Plan Advisors. Sentinel Investments is the unifying brand name fro Sentinel Financial Service Co., Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc. Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser. Each Company of the group is solely responsible for its own financial condition and contractual obligations. All Companies, unless otherwise noted, are affiliated and are located in Montpelier, VT.
is the year that National Life Insurance Company, the flagship company of the National Life Group, was founded. Life Insurance Company of the Southwest was founded in 1955.

7. The strength and stability you want.
The products and solutions you need.
The promises you want kept.
That’s the power of National Life Group.