Are Clients Saving Enough?
Increasing Flow to Meet Retirement Expectations

According to the Retirement Confidence Survey of 2009, only 44 percent of employed workers mention they have made an attempt to determine how much money they will need for a comfortable retirement. A similar percentage of workers say they simply guess at how much they’ll need. There are many Americans that need your help to make sure they save enough for retirement. One of the many tools we offer you, to help ensure clients have enough for retirement, is the The Retirement Analysis Kit (TRAK) Software*. This software provides a Paycheck Analysis, Quick Gap Retirement Analysis, and an Interest Calculator. During the annual review process, use the TRAK software to determine if they are saving enough for retirement. If clients need to increase premium payments, simply fill out Change of Payment Frequency (Form 5277) and return to LSW by fax or email. Our Annuity Service department will then process the request and have accounts ready for the next billing.

Fax: 214-638-9162
Email: lswservice@nationallife.com

Changes to GLIR Effective March 13
Be Prepared for Upcoming Changes

As most of you are aware, due to the current low interest rate environment, the Guaranteed Withdrawal Percentages of LSW’s Guaranteed Lifetime Income Riders (GLIR) need to be reduced so that we can continue to offer this important benefit.

UPDATED Version 3.0

For all applications received after March 12, 2010, the Guaranteed Withdrawal Percentages on all Guaranteed Lifetime Income Riders will be reduced by 0.5% for all ages and all benefit options. This change does not affect policies currently in force or policies issued as a result of applications received before March 13, 2010. Please see below for important dates and submission information.

Week of February 22
Updated Calculator and Marketing Materials Available. Please note: When you download the updated calculator it will replace the existing version on your computer. If you plan to submit any GLIR applications on or before March 12, be sure to run those calculations before you download version 3.0.

March 12
Last day for applications to be received for policies to be issued with current Guaranteed Withdrawal Percentages. Applications must be received by 3:00 p.m. CST.

March 13
Effective date of new GLIR. For applications received on or after this date policies will be issued with the new reduced Guaranteed Withdrawal Percentages.

June 11
Last day for applications received by 3:00 p.m. CST on or before March 12, 2010 to be paid and issued with the current Guaranteed Withdrawal Percentages.

Please Remember: For applications received on or before March 12, 2010, policies must be paid and issued by June 11, 2010, or a new GLIR application signed by the policy owner and agent will be required. For applications received on or after March 13, 2010, policies will be issued with the new Guaranteed Withdrawal Percentages. This change does not affect policies currently in force.

Even with this change, LSW still provides one of the most outstanding accumulation and income solutions in the marketplace!

*For TRAK 2010, please contact the Annuity Sales Desk at 800-906-3310. To have TRAK registered, the minimum production requirement for first-time users is $100,000. For other users, the production requirement is at least $500,000 in production or $200,000 with 20 policies. LSW may change production requirements at any time without notice.

All Products and Riders are issued by Life Insurance Company of the Southwest, Dallas, TX. National Life Group is a trade name of National Life Insurance Company and its affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations.

National Life Group is a trade name of National Life Insurance Company, Montpelier, VT and its affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations.

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