Retirement Income & Safety Review | National Life Group Annuities

A.M. Best A+ • S&P A+ • Moody's A1

What Happens to Your Retirement Savings If the Market Drops 40% Tomorrow?

Find out if you qualify for a retirement strategy that lets your savings grow when the market goes up — but never lose a penny when it drops. Backed by a company with 177 years of keeping promises.

When the market goes up, your savings grow with it
When the market drops, you lose nothing — guaranteed 0% floor
Once gains are credited, they’re locked in permanently
Access up to 10% of your money each year without penalty (year 2+)

Call (866) 989-8094

Takes 15 minutes. Costs nothing. Zero obligation to buy anything.

Here’s What You’ll Learn

15–25 minutes • No cost • No obligation

Whether your current savings are more exposed than you think
How much retirement income your savings could guarantee
What “protected growth” actually means in real numbers
If you’d still have access to your money when you need it
Whether this strategy makes sense for YOUR situation

Call (866) 989-8094

Your information is secure & confidential

177+

Years in
Business

A+

A.M. Best
Rating

$56B+

Total
Assets

Is This Right for You?

See Yourself Here? You’re Not Alone.

Most people who call us share a few things in common.

✔ This Is For You If…

You’re 50–75 and within 10 years of retirement (or already retired)
You want income you literally cannot outlive
You want your principal protected from market downturns
You have $50,000+ in IRAs, 401(k)s, or savings you’d consider repositioning
You value clarity and a simple plan over speculation

✘ This Is NOT For You If…

You’re under 50 and don’t need retirement income planning yet
You want to actively trade or time the market
You need 100% liquidity on all savings immediately
You’re looking for the highest-possible speculative returns
You don’t have at least $50,000 to consider repositioning

Simply Explained

How a Fixed Indexed Annuity Protects You

Think of it as a floor under your retirement savings. The market can go up, down, or sideways — but your credited interest only goes in one direction.

Market Goes Up

You receive interest credits based on index performance, subject to caps, participation rates, or performance triggers.

You Participate ↑

Market Goes Down

Your principal is protected. Interest credited in prior periods is locked in. You receive 0% for that period — not a loss.

0% Floor — No Loss*

*Refers to index crediting. Withdrawals, surrender charges, and rider fees can reduce values. Guarantees backed by the claims-paying ability of the issuing carrier.

Key Concepts — Plain English

0% Floor

When the index goes down, you're credited 0% — not negative. Your past gains stay locked in.

Caps & Participation

Your upside is linked to index performance up to a cap rate or through a participation percentage. Terms vary.

Interest Locks In

Once interest is credited to your policy, it's yours. The market cannot take it back.

Liquidity Access

Many policies allow 10% annual free withdrawals starting year 2. Surrender periods apply.

Still on the fence? A 15-minute call will give you the answer.

or call (866) 989-8094

Your Options

Three Paths to a Safer Retirement

We don’t recommend anything until we understand your situation. Here’s what we typically explore together.

Income Focused

Guaranteed Lifetime Income

Predictable income for life you can never outlive. GLIR activation bonuses up to 200%. Level or increasing income options.

GLIR activation bonus up to 200%
Level or increasing income options
Up to 10% annual free withdrawal starting year 2
Standard or No-Charge GLIR available

Zenith Income 10, Flex Select Income, Income Driver 10. Availability varies by state.

or call (866) 989-8094

Growth Focused

Protected Growth

Single premium FIA with principal protected from market loss. High participation rates on custom indexes.

High participation rates on custom indexes
Principal protected from market loss (0% floor)
1-year and 2-year crediting strategies
Interest locks in once credited

Zenith Growth 10. Availability varies by state.

or call (866) 989-8094

Flexible Premium

Flexible Growth + Bonus

Flexible premium FIA — add money over time. 5% immediate bonus with each payment on select products.

5% immediate bonus on each premium
Add funds over time — flexible premium
Up to 10% annual free withdrawal starting year 2
Performance trigger crediting option

Flex Secure Growth, Flex Secure Growth Bonus. Availability varies by state.

or call (866) 989-8094

Your Free Review

Here's Exactly What Happens on the Call

One short conversation. You’ll leave knowing exactly where you stand — even if this isn’t for you.

You’ll learn how exposed your current savings really are
You’ll see if a protected strategy fits your specific goals
You’ll compare “income now” vs. “growth now, income later”
You’ll understand how the 0% floor works in plain English
You’ll confirm you can still access your money when you need it
If it fits, you’ll get a personalized illustration with your real numbers
If it doesn’t fit, we’ll tell you — and you still walk away smarter

Ready for Clarity?

Pick the option that works best for you.

Call (866) 989-8094 Now

No cost. No pressure. Just a conversation.

Common Questions

Honest Answers Before You Call

What exactly is a fixed indexed annuity?

A fixed indexed annuity (FIA) is an insurance contract issued by a life insurance company. It offers the potential for interest credits linked to a market index (like the S&P 500) without directly investing in the market. Your principal is protected through a 0% floor on index crediting. Once interest is credited, it’s locked in. FIAs are not bank products, securities, or direct investments.

Can I really never lose money with these?

The 0% floor protects from market-based index losses during crediting periods. However, withdrawals in excess of free amounts, surrender charges, and rider charges can reduce your accumulation value. Guarantees depend on the claims-paying ability of the issuing company.

What is a guaranteed lifetime income rider (GLIR)?

A GLIR is an optional rider providing guaranteed income for life once activated. On select products, the GLIR activation bonus can boost the income benefit base by up to 200%. Choose level or increasing income. Standard GLIR charges approximately 1% annually of accumulation value; some products offer a No-Charge GLIR option. The guarantee is backed by the issuing carrier’s claims-paying ability.

What does “activation bonus up to 200%” mean?

On select products, when you activate the GLIR, the income benefit base may receive a bonus — up to 200%. This applies to the income calculation, not your actual account value. Specifics vary by product and state.

Can I access my money if I need it?

Yes. Many products allow up to 10% annual withdrawals without surrender charges starting in year 2. Additional access may be available through Nursing Care or Terminal Illness riders. Excess withdrawals may incur charges. Early withdrawals prior to 59½ may incur a 10% IRS penalty.

What happens to my money when I die?

On many products, your named beneficiaries receive the full accumulation value without surrender charges. Specific death benefit provisions vary by product.

Is this a good idea inside an IRA?

An annuity inside a qualified account (IRA, 401(k) rollover) does not provide additional tax-deferral since those accounts are already tax-deferred. People choose annuities inside IRAs for principal protection, guaranteed lifetime income, and interest-locking features.

Difference between a cap and participation rate?

A cap sets a maximum on credited interest. A participation rate determines what percentage of index gain is credited. Some products also offer a “performance trigger” that credits a set rate if the index doesn’t go negative. Specific rates vary and are subject to change.

Are these products FDIC insured?

No. Fixed indexed annuities are insurance products. They are not FDIC insured, not insured by any government agency, and not bank or credit union guaranteed. Guarantees are backed solely by the claims-paying ability of the issuing company.

What is a surrender period?

A surrender period (typically 5, 7, or 10 years) is the timeframe during which excess withdrawals may incur charges. Charges decrease over time to 0%. Only fund an annuity with money you’re comfortable committing for that period.

Is this available in my state?

Product availability varies by state. Some products or features may not be available in all states. Certain materials are not approved for use in New York. We confirm availability during the review.

Who is the insurance company behind these products?

Products are issued by Life Insurance Company of the Southwest (LSW), a member of National Life Group — in business 177+ years, A.M. Best A+, S&P A+, Moody’s A1 rated, $56B+ in total assets. Guarantees backed by the issuing company’s claims-paying ability.

What does the call cost?

Nothing. The review is completely free with no obligation. 15–25 minutes. If an annuity isn’t right for you, we’ll tell you — and you’ll still leave with clarity.

How is the agent compensated?

If you move forward, the agent receives a commission from the insurance company — not from you. There is no separate fee. The commission is built into the product by the carrier.

What if I decide this isn’t for me?

Completely fine. No obligation. Most products include a “free look” period (10–30 days depending on state) during which you can return the policy for a full refund.

15 Minutes Could Change How You Retire

You’ll either discover a strategy that protects everything you’ve worked for — or you’ll confirm you’re already on the right track. Either way, you win.

Call (866) 989-8094

Free. No obligation. No awkward follow-up calls if you say no.

Call Now

Get Your Free Retirement Review

15–25 minutes • No cost • No obligation