What is the minimum guaranteed surrender value for National Life Group – RetireMax Secure (non-MVA) (3- and 5-Year Terms)?

RetireMax Secure (non-MVA) is a Single Premium Deferred Annuity (SPDA) where the client makes a one-time premium payment and selects a 3-year or 5-year rate guarantee period. Interest is fixed for the full guarantee period and grows tax-deferred. Beginning in contract year two, the policy provides an annual 10% free-withdrawal feature (noncumulative). Withdrawals above the free-withdrawal amount—or a full surrender during the surrender period—are subject to withdrawal charges, but the non-MVA variant does not apply an MVA. After the initial guarantee period ends, the interest rate is declared going forward, with a guaranteed minimum credited rate of no less than 0.25%.

What is the minimum premium amount for National Life Group – RetireMax Secure (non-MVA) (3- and 5-Year Terms)?

The minimum premium amount is $25,000.

What is the maximum issue age for National Life Group – RetireMax Secure (non-MVA) (3- and 5-Year Terms)?

The maximum issue age is 90 years.

What is the current interest rate for National Life Group – RetireMax Secure (non-MVA) (3- and 5-Year Terms)?

The current interest rate is 4.1%.

What is the surrender charge schedule for National Life Group – RetireMax Secure (non-MVA) (3- and 5-Year Terms)?

Withdrawals above the annual 10% free-withdrawal amount (available starting in year two), or a full surrender during the surrender period, are subject to withdrawal charges that decline by schedule until reaching 0% at the end of the term. The non-MVA version is positioned as the simpler structure because it avoids any market value adjustment on early/excess withdrawals.

What are the best rates available for National Life Group – RetireMax Secure (non-MVA) (3- and 5-Year Terms)?

The best available rate is 4.60% for a 5 year term.

National Life Group

National Life Group – RetireMax Secure (non-MVA) (3- and 5-Year Terms)

About this product

National Life Group’s RetireMax Secure (non-MVA) is a single-premium Multi-Year Guaranteed Annuity (MYGA)issued by Life Insurance Company of the Southwest (LSW) that provides fixed, tax-deferred growth and principal protection from market loss across 3-year and 5-year guarantee periods. It is designed for clients who want predictable accumulation with a clearly defined guarantee window, plus limited liquidity starting in year two.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.40%
5 Years	4.60%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$25,000.00 - $99,999.00	4.1%
$100,000.00 - $1,000,000.00	4.4%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage