Rethink Life Insurance: The Best of Both Worlds
r
es
ts
es
ve
si
Da
sp
rote
c te d.
Many business owners put off purchasing life insurance because they think it’s too expensive, too complicated or just don’t have the time.
LSW ProtectorLife Whole Life Insurance is designed to work for any budget and is appropriate for business owners who may be starting a new business and are seeking the guarantees offered with whole life insurance.
ass
ure d
u is b , k no w i n g h
si n
Coverage you can count on • Protection for Life – With whole life insurance, the death benefit is guaranteed for life. • Guaranteed Premium – Your premiums are guaranteed to remain level. • Cash Value – Benefit from tax-deferred cash value accumulation that is accessible at any time through policy loans and withdrawals.1
See how LSW ProtectorLife can provide lifetime protection. Consider Dave, at 43 he made a career change and started a business. Dave initially had to take on significant expenses and risks in order to lay the
foundation for future growth. His company is poised for success, but as the owner, Dave’s well-being is directly tied to both the future success of the young company and his family’s financial security, as they depend on the profits of the business. Should something happen to Dave, the business’ future would be in jeopardy thereby causing financial hardship on his family. Dave wants to ensure that the business is protected, but needs a policy that fits his start-up budget. Dave decides to purchase a LSW ProtectorLife policy with the optional Automatic Conversion Rider. By purchasing the Automatic Conversion Rider, Dave purchases term insurance on his policy, thereby lowering his initial cost. The rider gradually converts the term insurance to whole life insurance over either a 10 or 20 year period. As the term portion decreases, the whole life portion and premium increases. The policy also provides living benefits in the event he becomes ill. Through the optional Accelerated Benefits Riders, Dave can access his death benefit, during his lifetime, in the event of terminal, chronic or critical illness.2 With this policy, Dave is able to afford the permanent insurance that the business needs and achieve peace of mind knowing that both his business and his family will be financially protected. Experience the benefits of whole life insurance at a cost that makes sense for your lifestyle and your business. LSW ProtectorLife has a variety of features and riders to address your needs.
Isn’t it time your life insurance provided you with the best of both worlds?
Life Insurance Company of the Southwest™
10%
1 Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Surrender charges may reduce the policy’s cash value in early years. 2 Accelerated Benefits Riders, form series 8052(0798)8095(0399)8165(0703) ICC10-8844(0310), reduces the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event and may affect your eligibility for public assistance programs. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you, your spouse and your family’s eligibility for public assistance. 66540 MK8764(0912) TC69723(0912)
LSW ProtectorLife Whole Life insurance, form series ICC12-20064(0512) 20065(0512), the Automatic Conversion Rider, form series 20067(0512)20110(0512) and Accelerated Benefits Riders, form series 8052(0798)8095(0399)8165(0703) ICC10-8844(0310) are underwritten by Life Insurance Company of the Southwest, Addison, TX. Riders are optional, may require additional cost and may not be available in all states. National Life Group速 is a trade name representing various affiliates, which offer a variety of financial service products. Life Insurance Company of the Southwest (LSW), Addison, TX, is a member of National Life Group. LSW is not an authorized insurer in New York and does not conduct insurance business in New York. Centralized Mailing Address: One National Life Drive, Montpelier, VT 05604 | 1-800-906-3310 | www.NationalLifeGroup.com