Horizon Universal Life Insurance

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1 Horizon Universal Life Insurance Discover More In Life MK3227(0209) TC46323(0209) Experience Life

2 Now you can protect your home, family, business and future all in one policy. If your need is death benefit protection for your family or business and to accumulate values for retirement, Horizon, a Universal Life plan from Life Insurance Company of the Southwest (LSW), is a financial tool that can address your needs within a single policy. Protect what is important to you against the unforeseen, while you re alive. We call this... Life Insurance You Don t Have to Die to Use. Discover More In Life

3 Discover More... From Your Policy Horizon provides optional riders and flexible premiums to meet your changing insurance needs and the potential to build cash value in your policy income-tax deferred. Whether for personal or business purposes, Horizon can work for you. From Our Valuable Accelerated Benefits Riders 1 LSW s no additional cost living benefit riders provide access to your policy s death benefit while you are still living. You can rest assured knowing your family or your business will have financial protection should you suffer a terminal, chronic, or critical illness. Horizon providing financial security for those who depend on you. 1 Death benefits, cash value and loan values (for policies with such values) will be reduced if an accelerated benefit is paid. Riders are optional and may not be available in all states. An additional premium is charged for some riders. Benefits and terms may vary by state.

4 Discover More... Flexibility Flexibility of premium, death benefit and optional riders for lifetime protection. Options The option to provide coverage on other insureds, perhaps your spouse or a business partner, all with just one policy. Other unique rider options make it attractive for these policies to be owned by your business. Value Exceptional no additional cost living benefits with coverage for the primary and other insureds through optional riders. Guarantees Regardless of where interest rates move, your policy values will continue to earn an attractive guaranteed interest rate.

5 Discover More... Flexibility Premiums and Death Benefit One of the key features of Universal Life insurance is premium and death benefit flexibility. With Horizon you can make level, increasing or decreasing premium payments. You can even skip payments altogether if your policy has sufficient cash value. Paying higher than required premiums results in enhanced tax-deferred cash value accumulation. You also have a choice in death benefit coverage. As your needs change, your policy s death benefit can be increased or decreased, thereby eliminating the need for multiple policies. 2 Horizon provides the flexibility you need to structure your Universal Life policy, including the ability to add or remove valuable riders to meet specific insurance needs. Access to Policy Cash Values Your Universal Life policy also provides for the tax-deferred build-up of policy cash value. Values that you can borrow or withdraw income-tax free to achieve your unique and personal objectives, including: 3 Raising capital for a business venture Meeting short-term cash flow needs Providing a fringe benefit for key executives Supplementing your retirement income Reducing or eliminating out-of-pocket premium payments Helping your children pay for college 2 Additional underwriting may be required. 3 Policy loans and withdrawals reduce the policy s cash value and death benefit and may result in a taxable event. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. If the policy were classified as a Modified Endowment Contract (MEC) all loans and withdrawals would be considered taxable income.

6 Discover More... Options Horizon offers the option to provide insurance coverage on other insureds, all within a single policy. The Other Insured Rider allows you to purchase renewable term insurance on yourself, your spouse, child or business partner. If you are a business owner, Horizon is an ideal funding vehicle for your fringe benefit plans, offering your company the ability to build cash values for future benefit payments on a tax-deferred basis. The Balance Sheet Benefit Rider is designed for situations when there is a need for a high ratio of cash surrender value to premiums paid for business accounting purposes.

7 Through our Disability Income Rider, you can receive monthly benefits should you become disabled and unable to work. Benefits can be paid over either a two year or five year period. The Waiver of Specified Premium Rider waives your policy premiums should you become totally disabled. After a six month waiting period, this rider will pay your specified premium into the policy s accumulated value, continuing to fund your original insurance objective for death benefit protection and tax-deferred cash value accumulation.

8 Discover More... Value Valuable, No Additional Cost Accelerated Benefit Riders (ABR) Medical conditions and illnesses, though not always fatal, can have a serious impact on your lifestyle, your ability to live independently, and can deplete even substantial savings in short order. Our no additional cost living benefit riders provide a cost effective solution. If you qualify, you can access your policy s death benefit, while you are living, to cover expenses associated with terminal, chronic or critical illnesses. The use of benefits are not restricted and may be used for any expense including: medical expenses, additional care, home renovation, travel, business expenses. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event and may affect your eligibility for public assistance programs. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you, your spouse and your family s eligibility for public assistance. Riders are optional and may not be available in all states.

9 Discover More... Guarantees Your Horizon policy will accumulate cash value at an interest rate that is always greater than or equal to the guaranteed 4 interest rate. Horizon offers a very attractive minimum guaranteed interest rate of 4%, assuring you that, regardless of where interest rates move, your policy values will earn an attractive interest rate. Additional, valuable riders for you, your family, or business associates: Accidental Death Benefit Rider Additional Protection Benefit Rider Extension of Benefits Rider Long-Term Care Rider No-Lapse Guarantee Rider Unemployment Rider Overloan Protection Rider 4 Guarantees are dependent upon the claims-paying ability of the issuing company.

10 LIFE INSURANCE YOU DON T HAVE TO DIE TO USE Disability Income Money to help pay your bills. Cash Value Accumulation Money for future plans. Accelerated Living Benefits Chronic, Critical, or Terminal Illness Riders. Life Insurance Money for your family. Riders are optional and may not be available in all states. Other Insured Rider, form series 8057(0707)/8535(0707). Balance Sheet Benefit Rider, form series 8459(0606). Disability Income Rider, form series 8054(0798)/8054ID(0798),8065(0798) /8065ID(0798), is available for an additional premium and provides a fixed benefit if the insured is totally disabled. Certain occupations are ineligible for coverage. Waiver of Specified Premium, form series 8519(0707)/8520(0707). Accelerated Benefit Rider, form series 8052(0798),/8502ID(0708), 8095 (0399)/8095ID(0399),8165(0703) /8165ID(0703). Death benefits, cash values and loan values (for contracts with such values) will be reduced if an Accelerated Benefit is paid. There is no restriction placed on the use of the benefit received. The Accelerated Benefits offered under this rider are intended to qualify for favorable tax treatment under the Internal Revenue Code of Whether such benefits qualify depends on factors such as your life expectancy at the time benefits are accelerated or whether you use the benefits to pay for necessary long-term care expenses, such as nursing home care. If the acceleration-of-life-insurance

11 benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. Tax laws relating to acceleration-of-life-insurance benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration-of-life-insurance benefits excludable from income under federal law. Receipt of acceleration-of-life-insurance benefits may affect you, your spouse or your family s eligibility for public assistance programs such as medical supplementary Social Security Income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such payment will affect you, your spouse s and your family s eligibility for public assistance. Long-Term Care Rider, form series 8096(0899)/8096ID(0899), known as the Accelerated Death Benefits for Long-Term Care Rider in TX and MD, is available at additional cost. Use of the Long-Term Care Rider reduces the death benefit and cash surrender value of your life insurance policy. Benefit payments will be used to pay off any outstanding policy loan first, reducing the amount of money you would normally collect as a benefit. The No-Lapse Guarantee Rider, form series 8206(1004), available only with the Horizon product, will guarantee the death benefit protection, regardless of cash surrender value, for the lifetime of the Insured so long as the Monthly Premium Test is met. Withdrawals taken against the policy will impact the Monthly Premium Test. If a withdrawal made against this policy results in the net accumulated premiums falling below the accumulated Monthly Guarantee Premiums on any Monthly Policy Date, a notice of pending termination of the rider will be sent. An additional premium would then be required to keep the rider in force. If the No-Lapse Guarantee Rider lapses while the Cash Surrender value of the policy is zero, the policy may enter a Grace Period and an additional premium may be required to keep the policy in force. Premium payments just equal to the Monthly Guarantee Premiums will ensure that a Death Benefit is payable under the policy, according to the guarantees provided by the No-Lapse Guarantee Rider. The Horizon NLG Rider does not guarantee cash value accumulation. The Unemployment Rider, form series 8058(0798) is available at no additional cost and allows you to waive your policy premiums for three months when you have been involuntarily unemployed from your full-time job. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event and may affect your eligibility for public assistance programs. Please consult your

12 personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you, your spouse and your family s eligibility for public assistance. Riders are optional and may not be available in all states. The Overloan Protection Rider, form series 8309(0206), prevents the policy from lapsing when the loan amount exceeds the accumulated value (and other requirements of the rider are met) therefore preventing any reportable taxable gain to policy holder. Limitations apply to exercising the Overloan Protection Rider, including that the policy be in force at least 15 years and the insured having attained the age of 75. Exercising the rider results in a paid-up policy. There is no cost for this optional rider, however, there is a fee when the rider is exercised. Benefits may not be mutually exclusive. Using one benefit may reduce or eliminate another. The Disability Income and Accelerated Benefits insurance riders have exclusions, limitations, reductions of benefits and/or terms under which the rider may be continued in force or discontinued. For costs and complete details of coverage, call or write your agent or company. Life Administrative Office: Montpelier, VT Home Office: Dallas, TX (888) nationallife.com Copyright 2009, Life Insurance Company of the Southwest. All Rights Reserved. LSW Horizon form series 8514(0707)/8515(0707)/8514ID(0707)/8515ID(0707), Universal Life Insurance and applicable riders are underwritten by Life Insurance Company of the Southwest, Dallas, Texas. National Life Group is a trade name representing various affiliates, which offer a variety of financial service products. 30 %

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