GLIR Summer Special Forms:

GLIR Consumer Guide (Standard)

Consumer Guide for CA/CT/FL/TN

GLIR Calculator

Interest Crediting Rates for LSW Index Annuity Policies

The GLIR Summer Special - Offering more
Guaranteed Income

8.15% Rollup Rate guaranteed for 10 years!

In these turbulent times, you want more guaranteed income – and we’re delivering it! For anyone seeking the certainty of income for life, LSW’s GLIR Summer Special is a terrific option. The 8.15% enhanced rollup rate, in combination with other factors used to calculate the Guaranteed Withdrawal Benefit, results in more income than is generated on our standard GLIR. This special is available for a limited time only, and only on the LSW Indexed Single Premium Deferred Annuities. An LSW annuity with the GLIR Summer Special is ideal for those seeking to lock-in an income for life.
The Summer Special GLIR (Policy Form # 7995) is available on these popular LSW Index SPDA’s

SecurePlus Accumulator 3 (Policy Form # 7919), SecurePlus Accumulator 5 (Policy Form # 7917), SecurePlus Premier 3 (Policy Form # 7953), Secure Plus Premier 8 (Policy Form # 7954), SecurePlus Premier 10 (Policy Form # 7990), SecurePlus Saver (Policy Form # 7951), SecurePlus Saver Select (Policy Form # 7952), SecurePlus TLC (Policy Form # 7906)

Summer Special Details

All applications received on or after May 17th 2010 and no later than August 31,2010 will receive the Summer Special GLIR with the 8.15 % roll up rate, guaranteed for 10 years. The roll up rate for policy years 11+ will be set automatically in advance and is currently anticipated to be significantly less than the current rollup rate. The annual rider charge for the Summer Special GLIR is 85 basis points. Premium must be paid no later than November 30, 2010.

The Summer Special GLIR will require the Summer Special GLIR application form number 10213 ( form 10237 CACTFLTN) and the Summer Special GLIR Calculator which is now available on our website.

Guarantees are backed by the claims-paying ability of the issuing company. The is a limited time offer available for the GLIR on single premium deferred indexed annuities from Life Insurance Company of the Southwest (LSW). To take advantage of this special, applications must be received on or after May 17th, 2010 and no later than August 31, 2010. Premium must be paid by November 30,2010. LSW reserves the right to prospectively terminate this special at anytime with advance e-mail notification.

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Annuity Rate Change Announcement

Life Insurance Company of the Southwest (LSW) is adjusting Participation Rates, Caps and Declared Rates to reflect today’s interest rate environment. Interest crediting rates on all LSW annuities are affected, and the changes take effect as soon as May 22, 2010. Please see the Competitive Edge flyer for details.

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Plan for Guaranteed Income for Life

In these volatile economic times, guaranteed income is increasingly important for those planning for retirement. Offering an LSW annuity with the Guaranteed Lifetime Income Rider ensures policy owners a guaranteed paycheck for life – regardless of the underlying crediting rates. While crediting rates are low now, and may be for the foreseeable future, those interested in guaranteed income for life can achieve that goal with an LSW annuity and Guaranteed Lifetime Income Rider. Available now, the GLIR Summer Special provides excellent guaranteed lifetime withdrawal benefits on our portfolio of indexed single premium deferred annuities.

And, as always, we remain committed to our philosophy of interest rate integrity. You can view LSW’s credited interest rate history firsthand, as we make our rate history available at lifeofsouthwest.com or nationallife.com.

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Important Change to Texas Annuities Effective June 1

Effective June 1, 2010, the state of Texas requires that all individual fixed and fixed indexed annuities sold in Texas conform to regulations that effectively limit withdrawal charges for higher issue ages. These regulations will result in changes to many of the annuities offered by Life Insurance Company of the Southwest (LSW) as well as future products to be introduced. There will also be one product withdrawn. The regulations and effective date are applicable to all life insurance companies doing business in Texas.

What type of product changes will occur?

Product changes will be of two types: (1) lower maximum issue ages, or (2) reduced Withdrawal Charges at higher issue ages. Please see the Summary of LSW Product Changes in Texas for a summary of products affected and the changes that are effective June 1, 2010.

What Forms and Materials should I use for Policies to be issued after May 31, 2010?

• Applications submitted and received prior to June 1, 2010 – Use existing forms provided the plan will be available at the annuitant’s age at issue. Refer to the Summary of LSW Product Changes in Texas chart for issue age limitations.
  
• Applications submitted and received after May 31, 2010 – New forms will be required. New forms and marketing material will be available in May. We will notify you when the new material is available for ordering.

How does this affect planning for 2010?

If you are taking applications now for anyone at an age that is affected by these changes and expect to fund the annuity with a premium that will reach the home office after May 31, 2010 you need to make sure the policy you are offering will be available for issue. Remember, a policy needs to be issued before June 1, 2010 to avoid being affected. Merely submitting the application is not enough.

We want you to know these rules now so you can plan accordingly for any policies you expect to be issued after May 31, 2010.

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Upcoming LIFE School

Thinking about stepping into the small business owner market? With more than 27 million small businesses in this country, the time might be right for you to learn more about your opportunities in this market.

WHEN:

Wednesday June 2 - San Diego
Thursday June 3- Woodland Hills
Thursday June 2- New York City
Thursday June 3 - Dallas
Tuesday June 22 - Raleigh
Tuesday June 22- Atlanta
Tuesday June 22 - Tampa

Register Here

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2011 Hettlinger Highlights Calendar Photography Contest

The 2011 Calendar contest will include landscape photos and those photos you believe to be so incredible they need to be shared with thousands!
The contest will run from May 1 through November 1st. Please email your photo submissions directly to my email address at DHettlinger@nationallife.com. Subject: Calendar Photo Submission.

A Flip MinoHD™ video camera will be awarded for each photo selected.

The selection will be decided in Dallas by the LSW employees from each department.
All photos need to be high-quality digital files to ensure the best reproduction.
Ideal specs are at least 3000 X 2000 pixel in size. JPG and other formats are acceptable, but Raw format is preferred if available.

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