For case support, illustrations and modeling, please contact our Advanced Markets team:
800-906-3310 Option 1
1. Premium financing is offered and administered independently of the companies of National Life Group. National Life is bound only by the terms of the life insurance contracts issued by the Group insurance companies.
2. The 0% “floor” provided by an indexed universal life insurance policy ensures that during crediting periods where the index is negative, that no less than 0% interest is credited to the index strategy. However, monthly deductions continue to be taken from the account value, including a monthly policy fee, monthly expense charge, cost of insurance charge, and applicable rider charges, regardless of interest crediting.
3. Because of the volatility control applied to the index, there is no need for a cap. For an Index with volatility control and additional costs deducted from the Index value, the positive Index value change may be less than that of similar indices that do not include volatility control and do not deduct these costs. This may result in less interest that will be credited. When included in a fixed indexed life insurance policy with the protection of a 0% floor, the benefit of reduced downside will not be realized for index returns below 0%.
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