NATIONAL LIFE LOCK

Secure your Future & Lock it in Today!

Lock | Protect | Grow | Boost your Retirement | 0% Fees

Grow Your Retirement Savings Tax-Deferred with the Longest standing issuer of indexed Annuities

Are you tired of the rollercoaster ride that volatile markets have turned your retirement savings into?

Whether you’ve watched your hard-earned money dwindle during downturns or you’re simply determined to shield your financial future from uncertainty, there’s a smarter way forward.

Introducing a platform with powerful tools designed to protect your principal while offering the potential for growth linked to market performance. 

Stop the bleeding 
and shield your retirement savings from future market downturns. 

Enjoy peace of mind 
with reduced market risk, while still benefiting from market-linked growth potential. 

Regain confidence 
knowing your hard-earned savings are secure, ensuring a lasting legacy.  

Relax and breathe easy assured that your retirement is protected from market uncertainties. 

Continue your life’s journey with the assurance that your savings are safeguarded.  

Don’t let market volatility hold you back from the comfortable retirement you deserve. Join countless others who have transformed their financial future and lives with this stable, growth-oriented solution.   

Take the first step today.

Contact us to learn how  we can tailor a strategic and tactical approach around your unique needs and goals.

 Secure your retirement, protect your legacy, and gain the peace of mind you deserve.

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GROWTH LOCK

“Planning for Your Future Retirement?”

For those planning a secure retirement, a growth annuity offers a confident alternative to traditional investments. With benefits like tax deferral, no fees, and guaranteed growth, it allows you to build your savings steadily and reliably. Adding a growth annuity to your retirement strategy shields your assets from market volatility and ensures a dependable income stream in your later years. This not only provides financial security but also delivers the psychological freedom to enjoy retirement without the constant worry of depleting your wealth.

LOCK it in | Protect your principal | Grow your Nest egg with Confidence | NO Fees or Hidden Fees Ever!

Maximize Your Savings with a cap rate that is twice the industry standard and an impressive participation rate that outperforms other accumulation-focused products, giving your savings a significant edge.

Zero Fees No hidden charges mean more of your money stays invested and working for you.

“Peace of Mind”, enjoy financial security and psychological freedom, knowing volatile markets can’t touch your principal or derail your plans now or in the future.

Reliable Growth that you can count on with a steady dependable income stream when you step into retirement.

Take Control Today

You’ve spent decades building your retirement—don’t let unpredictable markets tear it apart. With our  platform you can roll over your annuity, IRA, 401k, pension, or other retirement accounts into a single secure solution that puts you back in the driver’s seat. No more crossing your fingers and hoping for the  best.

Instead, you’ll:

  • Breathe easy Feeling the weight lift off your shoulders, knowing your savings are covered no matter what  the market throws your way.
  • Reclaim confidence with assurance that your future retirement, financial future and your legacy is protected.
  • Live life Fully keep moving forward with the peace of mind that comes from a safeguarded retirement plan.
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INCOME LOCK

“Entering Retirement?”

Retirees with annuities enjoy greater spending confidence compared to those relying solely on investments. Incorporating an income annuity into your retirement plan can enhance financial security, alleviate concerns about market-driven asset depletion, and provide a steady, predictable income stream for life. Retirees with guaranteed income from annuities statistically often spend more confidently than those dependent on investments. Adding an income annuity to your retirement plan can optimize outcomes, eliminating fears of asset depletion from market volatility establishing psychological freedom, financial security, and a reliable income stream for lasting wealth.

LOCK it in | Protect your principal | Grow | Income Guaranteed | Long-Term Care | NO Fees or Hidden Fees Ever!

  • Zero % Loss to Principal or Income
  • PROTECT your principal
  • GROW your savings securely
  • Predictable Income and guaranteed for life
  • Retirement income that that is predictable and guaranteed that you can never outlive, while you still retain access to the remaining cash value
  • Participation Rate higher than industry standard
  • Cap Rate -Higher than Industry Standard
  • Guaranteed Lifetime Income Rider

You’ve worked hard your entire life, saving diligently for retirement. But now, as you approach your golden years, the stock market’s ups and downs are keeping you up at night. Will your savings be enough for your personal retirement? Can you afford to leave behind a Legacy?

What if there was a way to protect your principal, reduce your exposure to market volatility, and still participate in market gains? Sounds too good to be true? It’s not.

Safeguard your retirement savings from market losses.

Enjoy the potential for growth linked to market performance, without the direct risk.

Ensure a steady income stream for life or a specified period.

Protect your legacy for future generations.

Even covers potential long-term health care needs.

Imagine the relief of knowing that no matter what the market does, your principal is protected. You can sleep soundly, knowing your retirement is secure.

Don’t let market volatility dictate your future. Take charge and join the many who have already secured their retirement with this powerful easy to understand and use financial tool.

Ready to learn more? Contact us today for a personalized consultation. Let’s build a retirement plan that gives you the confidence and peace of mind you deserve.

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What Exactly is considered an Annuity?

  • Non-Qualified / Qualified “Taxed/ Non-Taxed Income”
  • Pension
  • 401-k
  • Roth IRA
  • Profit Sharing
  • Sep IRA
  • Simple IRA/ Traditional
  • 403-b
  • Roth 403 b
  • 457

 

That’s right! All of the above are considered annuities but titled differently for the purpose of legal identification. If you didn’t know, now you know. Let’s dive in!

There are two different types of Annuities, GROWTH annuities and INCOME annuities…..that’s it!  

Grow at your own pace in your early years to plan for your future income in later years. 

Sounds simple enough right? The only issue with that is who do you trust to make sure your future income will be there once you reach that point in your life. As a society we must keep with the times and be hyper-conscious of our surroundings.  

Annuities are investment vehicles and like all vehicles they get dated and so now  you are looking to re-up on a vehicle with the specific amenities that speak to your needs for the future road ahead. To that point that vehicle I am referring to is “the Index” the annuity your retirement is attached to.  

You want that investment vehicle “Index”, to perform rain or shine, responsive, fast, reliable, good milage, it even smells good… ok, you get it!    

Like all vehicles there are many to choose from, but which one fits you and your needs. 

Here we go, You want a…. 

High cap rate % “annual returns against your principal”…. We are Higher than industry standard 

Competitive participation rate %  “investment in the markets with no exposure to loss of principal” ….again we are higher than industry standard 

 NO fees.. that’s right NO fees or hidden fees  

A strong performing index… and we are not talking about only a 10 or 20 year look back on a performing index like the others out there, we want a 175 yr performing index so we can see how well it has performed. 

We are talking about your future…  

Better yet compare the performance against all of them! Yep all of them. Lets go! full transparency.  

  • Long-term care in the event something happens that will not take away from your principle retirement in the event life throws a curve ball.  
  • Constant growth with a zero-floor meaning no hit to your current gains or principal now or in the future EVER, even if the market takes a major Loss.  
  • Laws have changed in recent years that now provide you with the ability of protecting you and yours against black swan events and volatility.  

Now is the time to LOCK it in and protect what you have worked towards “your financial future”  

Volatile markets don’t just threaten your savings—they hold back countless retirees from the comfortable, worry-free future they deserve. But you don’t have to be one of them. Thousands of savvy individuals have already transformed their retirement by making this simple switch.

Now, it’s your turn.  

Ready to Rewrite Your Retirement Story? 

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Lock it in and Stay in the Know Today !

Watch in real time and stay the course knowing you are protected.

Growth Driver 10 fixed indexed annuity, Policy Form Series 20834(0123), or state variation thereof, the Guaranteed Lifetime Income Rider is Rider Form Series 20835(0123), or state variation thereof, Emergency Access Waiver rider, form series 20834(0123)EAW, Nursing Care Rider form series Form No. 7648, and Terminal Illness Rider form series Form No. 7649, are issued by Life Insurance Company of the Southwest. This advertising material is used by multiple states, some with varying form number requirements; therefore, all required variations are provided. Not all policies or riders are available in all states — please check with your agent regarding availability in your state. This advertising is not approved for use in DE, ID, OK, OR, WY.

  1. Buying an annuity within an IRA or other tax-deferred retirement plan doesn’t give you any extra tax benefits. If you’re thinking about purchasing an annuity as part of a retirement plan, base your decision on the annuity’s features and benefits, and on its risks and costs, not on tax considerations.

  2. Indexed annuities do not directly participate in any stock or equity investments.

  3. Cap and participation rates may change. When they change, new deposits will get updated rates. Premiums deposited before the rate change will keep their original rates until the end of the crediting period.

  4. The 0% floor provided by an indexed annuity ensures that during crediting periods where the index is negative, that no less than 0% interest is credited to the index strategy. This means that premiums paid and interest earned will not be reduced by market volatility. Rider charges continue to be deducted regardless of whether interest is credited.

  5. Assuming no withdrawals during the withdrawal charge period. Rate Booster charges continue to be deducted regardless of whether interest is credited.

  6. Assumes $100,000 growing at 3% interest and a 25% tax bracket. This is a hypothetical example for illustrative purposes only and does not represent the actual results of any particular financial product.

  7. The Rate Booster strategy is optional for all indexing strategies. Money allocated to a Rate Booster strategy has a 1% annual charge deducted from the accumulation value. Charges continue to be deducted as long as rate boosters are used, whether or not interest is credited.

  8. Insurance News Net, FIAs at Age 20, 2015. Not intended as a current statistic, this is included for historical perspective.

  9. Time Magazine, October 7, 2008. Not intended as a current statistic, this is included for historical perspective.

  10. Fortune, “Commentary: What’s Next for the Stock Market”, 2/13/2018. Not intended as a current statistic, this is included for historical perspective.

  11. Market Insider March 12, 2020 – Stock Market Erased $6 Trillion in Wealth Last Week. Not intended as a current statistic, this is included for historical perspective.

  12. See your policy for full details about withdrawal charges and the Market Value Adjustment. A Market Value Adjustment will apply to withdrawals in excess of the penalty-free withdrawal amount for the first 10 policy years.

  13. If permitted by the IRS. All withdrawals made from annuities with pre-tax contributions are taxed as ordinary income. All withdrawals from an annuity purchased with non-qualified monies are taxable as ordinary income only to the extent there is a gain in the policy. In addition, withdrawals prior to age 59½ may be subject to a 10% Federal Tax Penalty. You will still incur a bonus recapture charge, based on how long you’ve had the annuity and how much you withdraw.

  14. Dollar Cost Averaging (DCA) does not guarantee an advantage over not using the DCA feature.

  15. Depending on state availability. Use the Nursing Care Rider or Terminal Illness Rider to access a portion of your accumulation value without a withdrawal charge if you become confined to a nursing care facility or are diagnosed with a terminal illness, starting in year 2.

  16. Use the Emergency Access Waiver to have all withdrawal charges waived for 403(b) hardship or 457(b) unforeseen emergency distributions, if approved by the Plan/TPA. For separation from service or disability, withdrawals up to 20% of the accumulation value in years 2–4, and all withdrawals starting in year 5, don’t incur a withdrawal charge. To use this waiver, the policy must have been in force for at least one year. The MVA and bonus recapture are waived for Emergency Access Waiver benefits. All amounts withdrawn under the Emergency Access Waiver rider must be paid directly to the annuitant. At the time of the withdrawal, the policy must qualify under Internal Revenue Code Section 403(b) or 457(b). The withdrawal must be a legally permitted distribution under the applicable Internal Revenue Code. See your policy for full details.

LIMRA LOMA U.S. Individual Annuities Sales Survey, Participant’s Report, 3Q2024, published by LL Global, IncSM

TC7871447(0425)1

Products issued by Life Insurance Company of the Southwest®

National Life Group® is a trade name of National Life Insurance Company (NLIC), Montpelier, VT, Life Insurance Company of the Southwest (LSW), 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 NY.

No bank or credit union guarantee | Not a deposit | Not FDIC/NCUA insured | May lose value | Not insured by any federal or state government agency Guarantees are dependent upon the claims-paying ability of the issuing company.

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