1. CMG Success Conference Focus, Drive, Connect Eric Lopez, CLU,ChFC, FLMI VP, Key Accounts and Multicultural Markets Daniel Ulloa Key Account Representative

2. The Average Consumer Cannot Afford the Individual Policy Approach. $$$ / Month Life LTC Is there another alternative? For Agent Use Only. Not for use with the Public.

3. Benefits may not be mutually exclusive. Using one benefit may reduce or eliminate another. Accelerated Living Benefits Cash Value Accumulation LIBR Death Benefit Protection = Permanent Life Insurance For Agent Use Only. Not for use with the Public. Permanent Life Insurance Features and Riders Provide One Solution for Multiple Risks

4. Benefits may not be mutually exclusive. Using one benefit may reduce or eliminate another. Accelerated Living Benefits Death Benefit Protection = Term Life Insurance For Agent Use Only. Not for use with the Public. Term Life Insurance Features and Riders Provide One Solution for Multiple Risks

5. We Don’t Just Talk About ABRs Our ABR Experience The above reflects the total combined number of claims, and amounts paid, by National Life Insurance Company and Life Insurance Company of Southwest under the ABR riders: Terminal, Chronic and Critical

6. Underwriting Program – No Routine Medical Testing Face Amount must be $250,000 or less Client must be age 65 or younger Applies to base policy insured and OIRs Faster processing 4 – 7 days Standard at best No option to be underwritten for Preferred Rate Class Available Verified Standard NT Express Standard NT Standard Tobacco All substandard risk classes are available This is not a guaranteed issue program. The company reserves the right to require additional requirements as deemed necessary.

7. For Agent Use Only – Not For Use With The Public Headwinds

8. The Power of Indexing

9. History of Federal Individual Income Top Marginal Tax Rates Source: truthandpolitics.org, referencing IRS Statistics of Income Bulletin Pub 1136

10. Clients can supplement their retirement with an income stream that they cannot outlive!* Lifetime Income Benefit Rider™ *Certain conditions must be met to exercise the rider. The Lifetime Income Benefit Rider provides a benefit for the life of the insured if certain conditions are met, including but not limited to the insured’s attained age being between 60 and 85, and that the policy has been inforce for at least 15 years. Insufficient policy values, outstanding policy loans and other considerations may also restrict the rider. Exercising the rider and receiving an income benefit will reduce the policy’s cash and death benefit and may terminate other riders or reduce their benefits. For Agent Use Only - Not To Be Used With The Public National Life Insurance Company ® | Life Insurance Company of the Southwest™

11. How It Works 1 Assumes Non-MEC Policy For Agent Use Only - Not To Be Used With The Public National Life Insurance Company ® | Life Insurance Company of the Southwest™

12. Thank You - American Taxpayer Relief Act of 2012! TAX rates went up! So did the interest in tax reduction strategies: Qualified Plan Life & Annuity Section 79Premium Finance Section 79 Plans, qualified plans and premium financing are offered and administered independently of the companies of National Life Group, National Life is bound only by the terms of the life insurance contracts issued by the Group insurance companies. The Companies of National Life Group® and their representatives do not offer tax or legal advice. Please encourage your clients to seek tax or legal advice from their appropriate professional advisor. Advanced Markets

13. Working with advanced markets is easier than ever! Catch the momentum & supercharge your 2014 business! Estimated 2013 Premium $ 4.4 Million Qualified Plan Life $ 7.1 Million Qualified Plan Annuity $10.2 Million Section 79 $ 6.0 Million Premium Finance =Commissions

14. Section 79 Plans with SecurePlus Advantage 79 TAX-ADVANTAGED LIFE INSURANCE FOR BUSINESS OWNERS AND EMPLOYEES This information is not intended as tax or legal advice. Please consult with your attorney and accountant prior to acting on any of this information. National Life Group ® is a trade name representing various affiliates that offer a variety of financial services products.

15. What Is Section 79 Code section that allows an ER to offer group life insurance to EE’s –Section 79 is not just group term insurance –Regulation says the plan may provide permanent benefits –With a specially designed permanent policy, the Employee can usually exclude about 35-40% of premium from taxable income Life Insurance is the only way to fund a Section 79 Plan For Agent Use Only - Not For Use With The Public

16. Insurance Options Option 1: $50,000 group term death benefit –Premium is deductible to ER –Not taxable as income to EE Option 2: Group term death benefit > $50,000 –Premiumis deductible to ER –EE taxed at Table I ( government ) rates Option 3: Cash value life insurance –Premium is deductible to ER –Premium only partially includible in EE’s income About 35-40% of premium excluded from taxable income Only a specially designed policy will provide full tax benefits For Agent Use Only – Not For Use With The Public

17. Benefits for Business Owner Death Benefit can be used for –Family survivor needs –Estate tax strategies Can provide tax benefits –For Company and owner-employees Attract & retain employees Policy cash value can provide additional retirement asset accumulation Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. For Agent Use Only – Not For Use With The Public

18. Benefits for Employee ER provided life insurance protection –Family survivor needs –Tax benefits Policy cash value can provide additional retirement asset accumulation Permanent policy completely portable –EE owns policy, names beneficiary For Agent Use Only – Not For Use With The Public

19. SIUL - One Policy vs. Two Value isn’t always measured in Dollars and Cents

20. Niche Markets Business Owners –Section 79 –Kai-Zen –Buy Sell using SIUL –Profit Sharing Plans –Captives –412(e)(3) Individual Planning –Tax Free Retirement –Premium Finance –Estate Planning –Mortgage Protection –Death Benefit Protection

22. For Agent Use Only – Not For Use With The PublicTC#77584(1213)1