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National Western Life’s

National Western Life’s . Withdrawal Benefit Rider (the Income Outlook Plus 5) & the Ultra Future FIA 15% Bonus! Lifetime Income and Amazing Liquidity. National Western Life’s . The Ultra Future FIA. 10% Bonus that is 100% vested from the first day 3 Crediting Strategies

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National Western Life’s

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  1. National Western Life’s Withdrawal Benefit Rider (the Income Outlook Plus 5) & the Ultra Future FIA 15% Bonus! Lifetime Income and Amazing Liquidity

  2. National Western Life’s The Ultra Future FIA 10% Bonus that is 100% vested from the first day 3 Crediting Strategies S&P 500 Annual Reset Monthly Average S&P 500 Annual Reset Monthly Point to Point Traditional Fixed Account

  3. National Western Life’s The Ultra Future FIA Liquidity 10% Annual Penalty Free Withdrawal Interest Only Available After 1 Year Can be Annuitized After the 5th Policy Year for as Short as a 5-Year Period Certain.

  4. National Western Life’s The Ultra Future FIA Surrender Charges: 19.25-18.5-17.75-16.75-16-15.25-14.5-13.5-12.75-12-10-8-6-4-2-0% (15 years) Death Benefit = Full Accumulated Value

  5. WITHDRAWAL BENEFIT RIDER

  6. WITHDRAWAL BENEFIT RIDER Greater Of When you are ready to elect income, the Company will look back and guarantee you earned at least 5% on your Income Account Value (IAV). If Contract Value is larger, your IAV will step up to the Contract Value.

  7. WITHDRAWAL BENEFIT RIDER • Creates a new Income Account. The Income Account receives a 5% Bonus that is also included in the Contract Value. This bonus vests over time. 25% in year8, 50% in year 9, and 100% in year10. • The Income Account Value is then guaranteed to grow at 5% Interest each year until the owner elects to receive lifetime income. • Annual rider charge is 0.75%.

  8. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $117,700 $110,000 $100,000 • The Power of 10%… Plus 5%! • 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate

  9. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $117,700 Initial Contract Value $110,000 $100,000 • The Power of 10%… Plus 5%! • 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate

  10. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $120,750 Initial Contract Value $115,000 5%Bonus from Rider $100,000 • The Power of 10%… Plus 5%! • 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate

  11. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE ULTRA FUTURE $120,750 Initial Contract Value $115,000 5%Bonus from Rider $100,000 • The Power of 10%… Plus 5%! • 10% Premium Bonus + 5% Bonus and 5% Income Account Annual Growth Rate

  12. The WITHDRAWAL BENEFIT RIDER Income Account Value Using Ultra Future

  13. The WITHDRAWAL BENEFIT RIDER Income Account Value Using Ultra Future The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age 60-64 = 5.00% 65-69 = 5.50% 70-74 = 6.00% 75-79 = 6.50% 80-84 = 7.00% 85-89 = 7.50% 90 + = 8.00%

  14. The WITHDRAWAL BENEFIT RIDER Income Account Value Using Ultra Future The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age 60-64 = 5.00% 65-69 = 5.50% 70-74 = 6.00% 75-79 = 6.50% 80-84 = 7.00% 85-89 = 7.50% 90 + = 8.00% Example: 72 year old owner with $100,000. After 5-years their income account value is $146,772GUARANTEED. Their lifetime income benefit also GUARANTEES a 6.00% annual withdrawal percentage. $146,772 x 6.00% = $8,806.32 GUARANTEED for LIFE!

  15. The WITHDRAWAL BENEFIT RIDER Income Account Value Using Ultra Future The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age 60-64 = 5.00% 65-69 = 5.50% 70-74 = 6.00% 75-79 = 6.50% 80-84 = 7.00% 85-89 = 7.50% 90 + = 8.00% Example: 82 year old owner with $100,000. After 7-years their income account value is $161,817GUARANTEED. Their lifetime income benefit also GUARANTEES a 7.00% annual withdrawal percentage. $161,817 x 7.00% = $11,327.19 GUARANTEED for LIFE!

  16. The WITHDRAWAL BENEFIT RIDER Income Account Value Using Ultra Future The rider includes a table of guaranteed withdrawal percentages based on the attained age of the owner when they elect the lifetime income benefit. Attained Age 60-64 = 5.00% 65-69 = 5.50% 70-74 = 6.00% 75-79 = 6.50% 80-84 = 7.00% 85-89 = 7.50% 90 + = 8.00% Example: 82 year old owner with $100,000. After 7-years their income account value is $161,817GUARANTEED. Their lifetime income benefit also GUARANTEES a 7.00% annual withdrawal percentage. $161,817 x 7.00% = $11,327.19 GUARANTEED for LIFE! GUARANTEED!

  17. 15% BONUS Give us the opportunity to EARN your business

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