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LSW Term is Back in The Game

LSW Term is Back in The Game. Rate change to be consistently competitive with the best in the industry…. …but it’s not just a rate change!. Streamlined “No Fluid” Underwriting. Expanded Range of Issue Ages. Additional Rate Class. Highlights. + More. How Have The Rates Changed?.

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LSW Term is Back in The Game

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  1. LSW Term is Back in The Game

  2. Rate change to be consistently competitive with the best in the industry….

  3. …but it’s not just a rate change! Streamlined “No Fluid” Underwriting Expanded Range of Issue Ages Additional Rate Class Highlights + More

  4. How Have The Rates Changed? On nonsmokers, we are dropping our premium rates and expanding our range of available issue ages. We are increasing most of our smoker premium rates, yet still remaining competitive.

  5. Premium RatesBefore and After

  6. Age 35 Age 45 Age 55 Age 65 $217 $397 $827 $2130 LSW Term before Lowest rate in the marketplace $110 $190 $433 $1240 LSW Annual premium on a male, Elite Preferred Nonsmoker, $250,001 10-year term LSW Term is designed to have the right comp and underwriting for the middle market, such as having a commissionable policy fee that makes a huge comp difference on smaller policies

  7. Age 35 Age 45 Age 55 Age 65 $160 $270 $585 $1613 LSW Termafter Lowest rate in the marketplace $110 $190 $433 $1240 LSW Annual premium on a male, Elite Preferred Nonsmoker, $250,001 10-year term … it also is being repriced to have more competitive premium rates Age 35: our commissionable premium is $160, theirs is $45

  8. Available Rate Classes

  9. Standard Plus

  10. Expanded Range of Issue Ages LSW Term Maximum Issue Age + 5 Years

  11. Issue Ages *includes Express Standard Nontobacco on LSW Term.

  12. Shortened Conversion Periods Final Conversion Date!

  13. Full Commission on Conversions. Full suite of permanent products available. 10 Years on 10 Year Term 12 Years on 15 Year Term 15 Years on 20 Year Term 20 Years on 30 Year Term Not beyond age 70 Ages 66 and higher – 5 years LSW Term Encourages your clients to convert sooner!

  14. Fully Commissionable! Increased Policy Fee $95 $72

  15. Age Nearest Birthday

  16. Streamlined Underwriting • No routine medical • Face amount of $250,000 or less • Age 65 or younger

  17. Destination: Straight Through Processing e-App

  18. Transition Rules Before August 21st August 21st and After Want to switch a pre-October 28th application to the new rates? Old Rates New Rates Send us a signed illustration using the new rates, otherwise normal re-write rules apply.

  19. For More Information • Visit the web for NLGroup U www.nationalifegroup.com • National Life Group Sales Desk • 800-906-3310

  20. Are you ready to roll? • If you’ve got the apps, we’ve got the gas.Submit an LSW term application via eApp and get a $50 gas card. This is good for the first five LSW term applications submitted via eApp from 10/28/2013 to 1/31/2014. • If you’re in the top five, there’s a new iPad for enjoying the ride.Be one of the top five agents in policy count or total premium placed from 10/28/2013 to 2/28/2014, and you will receive a new iPad.

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