Exceptional Underwriting Program FROM NATIONAL LIFE GROUP Subject to availability. Please contact Underwriting for more information.

JUMPin Additional Program Does your client need additional permanent insurance? Reduced underwriting requirements are available through our JUMPin program!

Table of Contents

JUMPin Additional Insurance Program ...... 2

Who is eligible? ...... 2

Which products qualify? ...... 2

What are the requirements? ...... 2

Additional Info ...... 2

Approved JUMPin Companies ...... 3

Products and Riders issued by National Life Insurance Company® | Life Insurance Company of the Southwest®

National Life Group® is a trade name of National Life Insurance Company, Montpelier VT and Life Insurance Company of the Southwest, Addison TX (LSW) and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in New York and does not conduct insurance business in New York. One National Life Drive, Montpelier, VT 05604 | 800-906-3310 | www.NationalLife.com

TC106692(0319)1 For Agent Use Only – Not For Use With The Public Cat No 64212(0319) JUMPin Additional Insurance Program

Do you have clients who were recently underwritten for permanent or term life insurance? Do they now need extra protection? JUMPin may be the solution. The JUMPin program provides a reduced underwriting option for qualifying clients.

Who is eligible? What are the requirements? We will consider clients who have been fully underwritten 1 .ABR form (use state special) . at Standard or better (Tobacco or Non-Tobacco) rates 2 .Replacement papers (if applicable) . from a company on our approved list within the last 3 .HIPAA form . three years . 4 .Strategy Allocation Form (if applicable) . 5 .Original policy (if a replacement) otherwise a copy of Which products qualify? the face page of the qualifying contract showing the All individual permanent products in our portfolio . insured’s name, the face amount, issue date and class . (FlexTerm and APB are available but can be no more 6 .Application including the fully completed health than 50% of the total face amount) . questionnaire .

Maximum issue age: 60 Additional Info Minimum policy size: $500,000 • Replacement of the qualifying contract is not required . Maximum face amount: The lesser of the face amount of the qualifying contract, • Please note that this is not a guaranteed issue $1,000,000, or our available retention . program . We reserve the right to request additional evidence/medical requirements if necessary . Available riders1: • ABR Terminal Illness • The new policy will have a two year contestable period • ABR Chronic Illness • Full commissions and sales credits are earned for all • ABR Critical Illness additional insurance added through the JUMPin program . • ABR Critical Injury2 • New permanent policy will be issued in the premium • APB class that most closely approximates the class of the • Overloan Protection Rider qualifying contract . Note that different companies • Balance Sheet Benefit Rider have different definitions of “Smoker” – we will follow our definition in all cases . • Unemployment Rider • FlexTerm • In the event that underwriting evidence for the client has been reviewed by us at any time, we reserve the right to use our most recent underwriting assessment .

1 Riders are optional, may require additional premium, may be subject to underwriting, exclusions and/or limitations and may not be available in all states or on all products. Any claim for critical illness or critical injury benefits for a given Qualifying Event must be filed within365 days following the occurrence of such Qualifying Event. Please refer to www.NationalLife.com for rider details. 2 In CA - rider is only available to clients ages 0 - 64. For Agent Use Only – Not For Use With The Public Approved JUMPin Companies Accordia Life Hartford Principal Aegon USA Heritage Life Protective AIG ING Prudential ALFA Jackson National Reliastar John Hancock RiverSource American Express Financial Kansas City Life SAFECO Advisors/IDS Kemper Investors Life SBLI of Massachusetts American Family Life Lafayette Life Securian Life American Franklin Legal and General America, Inc . Security Life of Denver American General Lincoln Benefit Security Mutual American United Life Lincoln Financial Group (minimum policy size is $500,001) Americo LSW Shenandoah Life Ameriprise Financial MassMutual Ameritas Met Life State Life AmerUs Midland National Sun America AUL Minnesota Life Life MONY Sunset Life /Equitable Life MTL Insurance Co . TransAmerica Assurance Co . of The US National Life Insurance Co . Travelers Banner Life Nationwide Union Central Boston Mutual North American Life and Health Union Fidelity Life Cincinnati Life United Heritage Life Colorado Bankers Life NY Life United Investors Insurance Company Ohio National US Life Erie Life One America Utica National Life Farm Bureau Life Pacific Life Voya Farmers New World Penn Mutual West Coast Life General American Phoenix Home Life Western Reserve Life Genworth Financial Pioneer Life William Penn Life Insurance Guardian Pioneer Mutual Company of New York Harleysville Life Primerica Zurich Kemper

NY subsidiaries of the above companies also approved. Note that subsidiaries of approved companies may be ineligible due to different underwriting standards. List of approved companies current as of February, 2019. For the most up-to-date list of approved companies, please see our website.

No bank or credit union guarantee | Not a deposit | Not FDIC/NCUA insured | May lose value | Not insured by any federal or state government agency Guarantees are dependent upon the claims-paying ability of the issuing company.

For Agent Use Only – Not For Use With The Public