Important Effective Dates for Life and Annuity Rate Changes

Please take note of the various effective dates for changes affecting the following products.

Indexed Universal Life non-New York Products

• All caps will decrease 0.75%
• The benchmark Point-to-Point Cap Focus S&P 500 strategy will decrease from 10.50% to 9.75%.
• Products affected: FlexLife II, NL FlexLife II, PeakLife, PeakLife NL, LifeCycle Solution, NL LifeCycle Solution, Ultra Select, SecurePlus Advantage 79. The maximum illustrated rate will be 6.03%.
• For SecurePlus Provider, the benchmark Point-to-Point Cap Focus S&P 500 strategy will decrease from 7.00% to 6.25%. The maximum illustrated rate will be 4.15%.

There are no changes to New York products or fixed strategies.

Illustrations systems are now updated with new rates.

Comprehensive list of IUL Rate Changes

Annuity Products

• Rate adjustments vary by product

Illustrations systems will be updated with new rates on September 29.

Comprehensive list of Annuity Rate Changes

Guaranteed Lifetime Income Rider (GLIR)

• Rollup rate will decrease 1.00%
• Guaranteed withdraw percentages (GWP) will be reduced by 0.35% for all ages

Paper apps must be received by NLG & eApps must be transmitted to NLG by September 27 by 5 p.m. Central to receive the current rollup rate and GWP.

Pending business must be paid by November 27 at 5 p.m. Central to receive the current rollup rate and GWP.

A new app will be required for business not paid by that date.

If you have any questions regarding these changes, please contact the National Life Group Sales desk at 800-906-3310.

TC109675(0819)1