ZENITH GROWTH

Protected From Market Risk.

Ready to Grow

Maximized Retirement Growth Potential

Zenith Growth 10 is a single premium, fixed indexed annuity that can give you a strong chance to grow your retirement savings while protecting your principal from market loss. 

  • Growth Annuity 
  • PROTECT your principal 
  • GROW your savings securely 
  • NO Fees or Hidden Fees Ever

You Want to Get the Most from Your Retirement Savings.

When you’re planning for retirement, you want to make sure you will be able to make the switch when you’re ready. To give you a strong chance of growing your retirement savings in the way you envision, Zenith Growth 10 provides high crediting potential, based on market indexes.  

High participation rates on custom indexes

1-year and 2-year crediting options

LOCK IT

How Your Retirement Savings Can Grow. Zenith Growth 10 gives you multiple options to grow the value of your annuity. You can choose a fixed rate or opt for getting interest credited based on the growth of a market index of your choice—without directly participating in the market 

Available Indexes You have the choice between three market indexes:

S&P 500® Index The S&P 500® is widely regarded as the best single gauge of the U.S. equities market. This world-renowned index includes a representative sample of 500 leading companies in leading industries of the U.S. economy. Although the S&P 500® focuses on the large-cap segment of the market, it is also an ideal proxy for the total market 

US Fundamental Balanced Index This index aims to minimize volatility through a blend of U.S. equities, U.S. treasuries, and cash. The asset classes are rebalanced daily to seek to minimize risk and the mix of U.S. equities is revised quarterly. This index was created and is owned by PIMCO

Global Balanced Index This index aims to enhance risk-adjusted returns by tracking a blend of global asset classes: equities, bonds, and commodities. The index composition is rebalanced among asset classes monthly based on the SG Sentiment Indicator. This indicator is made up of six cross-asset market risk measures. The overall allocation is then reviewed daily to reduce market exposure in case of high volatility. This index was created and owned by Société Générale 

The Zenith Advantage

Say goodbye to the stress of unpredictable investments. By adding the Zenith Growth Annuity to your retirement plan, you’re not just saving—you’re optimizing for a better, worry-free future. Protect your wealth, grow it confidently, and secure the retirement you deserve. Make the smart choice today with Zenith Growth 

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

Grow Your Retirement Savings Tax-Deferred.

If your retirement savings were in a standard savings account, you would be required to pay income tax on any interest you earned each year. And chances are, you are paying a higher tax rate on the interest now than you would be paying if you were retired.

By putting your retirement savings into an annuity, like Zenith Growth 10, your money can earn interest and have the potential to grow tax-deferred until withdrawn or received as income. When you are ready to begin regular withdrawals in retirement, your tax bill may be reduced if you are in a lower tax bracket at that time.

Annuities owned by trusts or corporate entities may not enjoy the tax-deferral feature.

Never Lose a Penny.

As the longest standing issuer of indexed annuities,4 National Life Group has seen many stock market upswings and downturns. As retirement gets closer, volatility is a worry for many, because there’s not much time to recover from market losses 

The good news is that because indexed annuities do not directly participate in any stock or equity investment, and you can never get less than 0% interest in any given period, you’re not exposed to this risk. That means that you can grow your retirement savings when markets do well—and never lose a penny of your interest earned and premium paid when markets fall.5 Retire when you’re ready…not when the market says you can!

LOCK IT

Is This Annuity the Right Choice for Me?

Zenith Growth 10 may be a good choice to grow your retirement savings, while protecting your principal:

 I want to retire on my terms and not be dependent on the market.

  • Take advantage of stock market gains without worrying about losing a penny of the value of your policy.

I’m looking for a secure way to grow my retirement savings.

  • Choose between multiple index crediting strategies with strong growth potential (or a fixed rate account).
  • Increase your interest potential with Rate Booster.
  • Grow your retirement savings tax-deferred.
  • Spread index crediting over 12 months, using Dollar Cost Averaging.¹⁴

 I want strong growth potential for my retirement savings.

  • High interest crediting potential.

I may require access to my money.

  • Withdraw up to 10% of your accumulation value without a withdrawal charge or MVA, starting in year two.
  • 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 two.¹⁵
  • Use the Emergency Access Waiver to have all withdrawal charges and MVA 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 five, don’t incur a withdrawal charge or MVA. To use this waiver, the policy must have been in force for at least one year and all distributions must be payable directly to the annuitant.¹⁶

What Happens After I Die?

With Zenith Growth 10, your named beneficiaries can avoid the expense, delay, and publicity of probate. If you are the Annuitant and you die while this annuity is in force, the full accumulation value will be paid to your beneficiary without withdrawal charges.

LOCK IT

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.

  • lorem ipsum
  • Privacy Policy
  • lorem ipsum
  • Terms of service
  • Terms of service
  • Privacy Policy

National Life Lock LLC