September 5, 2025

Rate Increases for SummitLife IUL

Caps and participation rates are going up on September 15.

SummitLife indexed universal life (IUL) insurance, designed for high-net-worth clients focused on amplifying or preserving their wealth, now delivers even more potential!

 

The following rate changes will take effect on Monday, September 15:

 

 

S&P 500® Index Crediting Options Current Cap New Cap Max Illustrated Rate
Point-to-Point Cap Focus* 9.25% 11.00% 6.81%
Point-to-Point Participation Rate Focus 6.50% 8.25% 5.64%
Point -to-Point 1% Floor 6.75% 8.50% 5.55%

* Participation rate in the S&P 500 Cap Focus will be changing from 105% to 100%.

 

Volatility-Controlled Index Crediting Options Current Participation Rate New Participation Rate Max Illustrated Rate
Balanced Trend Point-to-Point No Cap 225.00% 240.00% 6.81%
US Pacesetter 245.00% 260.00% 6.81%

 

Fixed Rates Current Fixed Rate New Fixed Rate Max Illustrated Rate
Basic Strategy 3.00% 3.50% 3.50%
Systematic Allocation Rate 3.00% 3.50% 3.50%
Fixed-Term Strategy 3.00% 3.50% 3.50%

 

 

SummitLife Enhancer rates are also increasing!

 

Check the SummitLife Bonus Rate Sheet to view updated rates.

 

 

 

 

TC8357305(0925)1

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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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