Rethink Life Insurance: The Best of Both Worlds
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Many people put off purchasing life insurance because they think it’s too expensive or complicated. But, what if there was a La product that offered ur il y ai m sa the right protection ble to cu s o n fa fo at the right price? LSW ProtectorLife is designed to work for any budget, putting the coverage of whole life insurance in reach for many young families or couples just starting out. 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 By purchasing the Automatic Conversion Rider, you purchase term insurance on your policy, thereby lowering your initial cost. The rider gradually converts the term insurance to whole life insurance over either a 10 or 20 year period. As the term insurance portion decreases, the whole life portion and premium increases.
See how LSW ProtectorLife can provide lifetime protection. Matthew and Laura are both in their early thirties. They recently bought a new home and are the proud parents of three young children. They are moving forward in establishing their careers and their financial security, but at the same time have a lot of debt. Matthew and Laura want to make sure they take every step possible to protect their family. If one of them were to pass away, the other could not financially support the family. The couple decides to purchase a LSW ProtectorLife policy with the Automatic Conversion Rider, insuring Matthew. With this policy, they get all the benefits of permanent life insurance at a cost that fits their budget. For additional protection, the couple selects the Other Insured Rider to provide protection on Laura, covering both Matthew and Laura under one policy. In addition to protecting their family in the event they die too soon, their LSW ProtectorLife policy also provides living benefits in the event either becomes ill. Through the optional Accelerated Benefits Riders, they can access their death benefit during their lifetime in the event of terminal, chronic and critical illness.2 With LSW ProtectorLife, Matthew and Laura can keep their promises to their family by providing the financial protection they need.
Isn’t it time your life insurance provided you with the best of both worlds?
Life Insurance Company of the Southwest™
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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. 66539 MK8763(0912) TC69724(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