For Agent/Recruiting Purposes Only – Not For Use With the Public.

Jessica Myers, CLU®Key Account ManagerJMyers@NationalLife.com802-229-3823

For Agent/Recruiting Purposes Only – Not For Use With the Public.

2013 - Momentum Keeps Building

Life: $150,000,000+Life: $150,000,000+

Annuity: $180,000,000+Annuity: $180,000,000+

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Protection 2013 Results

SubmittedApplications

Life PoliciesIn-Force

CollectedPremiums

InsuranceIn-Force

66K 368K$847M

$75B

2007 36K 313K $620M $58B

83% 18%37%

29%

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Do Good. Be Good. Make Good.

2013

Total Benefitspaid to our policyholders

$1.8 Billion166 Years of Keeping our Promises

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Keys to Our Success

For Agent/Recruiting Purposes Only – Not For Use With the Public.

There may be twists and turns along the way

1CDC: public health action plan to prevent heart disease and stroke, 20122American Cancer Society, 201132U.S. Census Bureau, Saperston Companies, Bankrate, 2013

Every 29 seconds, someone will suffer a coronary event in the US. Every 60 seconds someone will die from such an event1.

Most bankruptcies filed due to illness are filed by people who do have health insurance2.

Out of 100 people who start working at age 25, 96% will not have adequate capital stowed away for retirement.3

Receipt of accelerated benefits or lifetime income benefits can reduce or eliminate other policy and rider benefits.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Process Innovation

Driving Efficiency and Convenience

Expansion of eApp Offerings

Text Notifications

Web Illustrations

For Agent/Recruiting Purposes Only – Not For Use With the Public.

People – The Secret Sauce

Access - Relationships - Professionalism

For Agent/Recruiting Purposes Only – Not For Use With the Public.

There’s never been a better time to be a financial services professional.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

American householdswould be in jeopardy

if a primary breadwinner died.

* LIMRA 2010 Life Insurance Ownership Study

For Agent/Recruiting Purposes Only – Not For Use With the Public.

The of a diversified financial services group

The of a mid size company

The of a 164-year-old mutual company*

*National Life Insurance Company was founded in 1848.

You can grow with the support you need

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Our focus has always been on Main Street, not Wall Street

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

You Have Many Options

For Agent/Recruiting Purposes Only – Not For Use With the Public.

What Choice Would You Make?

946 Life insurance companies in the United States

ACLI Factbook 2010* Fortune 1000 ranking represents consolidated results of the National Life Group companies.

136 Mutual companies including stock companies held by mutual holding companies

128 Domestically-domiciled mutual companies

2 Conservative mutual companies that have been in business for over 160 years

Mutual companies in the Fortune 1000* 10

For Agent/Recruiting Purposes Only – Not For Use With the Public.

ACLI Factbook 2010* Fortune 1000 ranking represents consolidated results of the National Life Group companies.

• Company that is mutually held

• Is in the Fortune 1000*

• Has a competitive living benefits story, and partners with you to help grow your business

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Your Choice is Clear

For Agent/Recruiting Purposes Only – Not For Use With the Public.

VISIONTo Bring Peace of Mind to

Everyone We Touch

MISSIONKeeping Our Promises

For Agent/Recruiting Purposes Only – Not For Use With the Public.

At National Life GroupWe Have It All

National Life Group® is a trade name representing various affiliates that offer a variety of financial service products. National Life Insurance Company is licensed in all 50 states and the District of Columbia. Life Insurance Company of the Southwest, Addison, TX is licensed to do business in 49 states and the District of Columbia. It is not licensed to do business in New York. Equity Services, Inc., Member FINRA/SIPC. Sentinel InvestmentsSM is the unifying brand name for Sentinel Financial Services Company, Member FINRA, Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc. All companies, unless otherwise noted, are located in Montpelier, VT. Each company of the group is solely responsible for its own financial condition and contractual obligations.

National LifeInsurance Company

Life Insurance Companyof the Southwest

Equity Services, Inc.

Sentinel Investments

-Living Benefits for terminal, chronic and critical illness on ALL life insurance

-Indexed Universal Life

-Fixed Universal Life

-Traditional Whole Life

-Term

-Annuities

For Agent/Recruiting Purposes Only – Not For Use With the Public.

We Are Financially Strong

A.M. Best A (Excellent)Third highest out of 16 ranking

Standard & Poor’s

A (Strong)Sixth highest of 21 rankings

Moody’s A2 (Good)Sixth highest of 21 rankings

Financial Strength ratings for National Life Insurance Company and Life Insurance Company of the SouthwestRatings are current as of March 31, 2012 and are subject to change.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Simple Solutions to Life

Let the puzzle pieces tell the

story that today’s life insurance is

more about living than dying.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

LSW Term is Back in LSW Term is Back in

The GameThe Game

For Agent/Recruiting Purposes Only – Not For Use With the Public.

LSW Term Portfolio• 10-G – 10 year level term; premiums guaranteed level for 10 years.

• 15-G – 15 year level term; premiums guaranteed level for 15 years.

• 15-NG – 15 year level term; premiums guaranteed level for first 10 years.

• 20-G – 20 year level term; premiums guaranteed level for 20 years.

• 20-NG – 20 year level term; premium guaranteed level for first 10 years.

• 30-G – 30 year level term; premiums guaranteed level for 30 years.

• 30-NG – 30 year level term; premiums guaranteed level for first 10 years.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Streamlined Underwriting• No routine medical

• Face amount of $250,000 or less

• Age 65 or younger

• No options for preferred rate classes for people who are 65 and under applying for less than $250,000. To get preferred must apply for at least $250,001.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

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 – Conversion Privilege

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Product Details

• Minimum face amount: $50,000

• Policy Fee: $95 annually, fully commissionable (spouse discount on second policy of $47

• Banding:

– Band 1 - $50,000 - $250,000

– Band 2 - $250,001 - $999,999

– Band 3 - $1,000,000

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Age Nearest Birthday

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

The Power of Indexed Universal Life

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

From 6/21/2007 to 1/21/2012:

Point to Point S&P 500 Growth Rate= 2.562%

Point to Point High Cap= 6.851%

Point to Poing High PRT= 6.747%

Point to Point No Cap= 5.88%

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Tax-Free Retirement

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Initial Premium = $300 per month

Increased Premium in yr 5 = $400 per month

Increased Premium in yr 10 = $500 per month

Total Premiums paid through age 64 = $134,400

Tax-Free Income at age 70 = $67,180 per year

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Total Paid Into Policy = $134,400

Total Tax-Free Income Through 100 =

$2,015,400

If you assume death at age 90:

Total Paid: $134,400

Total Tax-Free Income: $1,343,600

Death Benefit to Family:

$231,000

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.

The Really Smart Baby Plan

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Baby Einstein Case

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Initial Premium = $75 per month

Year 3 Premium = $100 per month

Year 5 Premium = $150 per month

Tax Free $ for College = $13,000 per yr

Tax Free $ for house = $75,000

Initial Death Benefit = $250,000

Increasing – Opt B

For Agent/Recruiting Purposes Only – Not For Use With the Public.

Guaranteed Insurability Rider = $50,000

Premium of $150 per month paid through age 66.

Tax-Free Retirement Income = $338,250 per year for 30 years!

Total Premium Paid = $106,800

Total Tax-Free $ to age 94 = $10,274,500

For Agent/Recruiting Purposes Only – Not For Use With the Public.

For Agent/Recruiting Purposes Only – Not For Use With the Public.