April 7, 2025

Flexible Premium Indexed Annuities Q&A

Answers to five common questions.

Now that we’ve launched our new series of flexible premium indexed annuities, you may have some questions about the features they offer.

Let’s dive into the ones that are top of mind.

This crediting option is perfect for clients who like predictability. Whether the S&P 500® goes up 1% or 10%, clients will earn the performance trigger rate, which is fixed for one year. If index growth is negative, they’ll be protected by the 0% floor.

Check Competitive Edge for current performance trigger rates.

Not every client has a 10-year investment horizon. Some may want a safe place for their money for just five or seven years. With a shorter surrender period, clients may get a lower participation rate, performance trigger rate, or cap, but they’ll have the peace of mind that they can access all of their funds penalty-free more quickly.
Flex Secure Growth Bonus gives clients a 5% bonus on every premium paid in the first eight years. There’s no catch, but there’s a tradeoff: clients will get a lower participation rate, performance trigger rate, or cap. A choice for Flex Secure Growth Bonus is a choice for guaranteed growth vs. potentially higher returns with Flex Secure Growth.
If a client is looking for immediate income, they can indeed get guaranteed lifetime income starting in year one if they choose Flex Select Income.
A flexible premium deferred annuity (FPDA) can refer to a flexible premium annuity with a declared interest rate (a fixed annuity) or to an indexed annuity. The same is true for single premium deferred annuities (SPDAs).

Outside of New York, all of our current FPDAs and SPDAs are indexed annuities, with one exception: multi-year guaranteed annuities (MYGA). Those are single premium annuities that offer a fixed rate.

Find all of the information you need on the new products.
Flex FPDA Series eKit

 

Have you completed your annuity training?

Before you can start selling, make sure your annuity training is complete. Even if you’ve taken it in the past, this new product suite requires updated training​ before you can start selling.

 

 

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, and “Standard & Poor’s 500™” are trademarks of Standard & Poor’s and have been licensed for use by National Life Insurance Company and Life Insurance Company of the Southwest. This Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representations regarding the advisability of investing in the Product. The S&P Composite Index of 500 stocks (S&P 500®) is a group of unmanaged securities widely regarded by investors to be representative of large company stocks in general. An investment cannot be made directly into an index.

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National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York.

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