SecurePlus Provider & SecurePlus Paragon

Life Insurance Company of the Southwest – Indexed Universal
Life Products

Indexed Universal Life (IUL) is a form of permanent life insurance that provides the policyholder the choice of having the interest earned on their cash value linked to the performance of the Standard & Poor’s 500^® Index (S&P 500^®). This option provides clients the potential for higher interest than with a traditional universal life contract. This is why so many clients are attracted to this type of policy design. It provides the potential for higher interest on cash values with downside protection. All in one policy!

These products should be marketed to clients whose risk profile allows them to tolerate more risk than a traditional fixed UL. Clients that will benefit include:

• Individuals looking to protect their families and assets
• Individuals looking to supplement their retirement income
• Individuals looking to enhance their estate
• Business owners looking to reward key employees

Premium Flexibility – Since these are Universal Life policies, policyholders may choose to increase or decrease premium payments. By paying additional premiums they may be able to skip or stop premium payments all together if there is sufficient policy cash value. Within its guidelines, SecurePlus Paragon and SecurePlus Provider can be structured for a variety of cash flow needs.

Death Benefit Flexibility – Paragon and Provider offer the flexibility of either a level or increasing death benefit. Policyholders have the ability to change their death benefit if insurance needs change*. With the Additional Protection Benefit (APB) Rider, total death benefit can be increased without significantly increasing the cost.

Accelerated Benefits Rider **(ABR) – 3 Benefits in One Package!
This Rider is built into the policy at no additional cost which provides money for qualifying Terminal, Chronic or Critical Illness. Click here to read about how these riders have helped some of our clients.

Take advantage of our Brainshark presentations (button at right) which will explain the differences between SecurePlus Provider and SecurePlus Paragon. Also, the “Indexed Universal Life” Brainshark is client approved.

For more information about these products and advanced sales concepts, please contact the Life Sales Desk by calling 800-906-3310 (Option 2).

*Additional Underwriting May Be Required.
** Policy loans and withdrawals and the receipt of accelerated benefits will reduce the policy’s cash surrender value and death benefit and may result in a taxable event.

All products and riders are issued by Life Insurance Company of the Southwest (LSW). 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. LSW is not authorized to sell insurance in New York and does not do any insurance business in New York.

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