NWL ACCUMULATOR. A Word to Our Customer. Product Highlights: Payroll Deduction Universal Life Insurance For At Work Employees and their Families

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1 Payroll Deduction Universal Life Insurance For At Work Employees and their Families NWL ACCUMULATOR Policy Form and State Variations A Word to Our Customer Product Highlights: Affordable Protection Accumulates Cash Value Portable Optional Benefits Available NWL Accumulator, a voluntary payroll deduction universal life insurance product, is an intelligent and affordable way to care for your family's financial security. NWL Accumulator can provide you and your family with security and peace of mind for your financial needs. Let us help you prepare for tomorrow. SA-8915.Rev.1.07 Page 1 of 6

2 Safe, Simple Secure Solutions! Helping provide peace of mind for your family! Taking care of your financial future may seem impossible particularly if you are struggling just to make ends meet. But it is not impossible. NWL Accumulator provides an affordable, flexible way to put your money to work protecting your family and accumulating funds toward tomorrow s needs. This life insurance policy is designed especially for working Americans like you by offering choice, flexibility, and security. Now is a good time to look at your life insurance needs. Within the past few years have you: Increased your consumer debt? Changed your income, financial responsibilities, or goals? Purchased a new home or car? Had any children or included aging parents or other relatives in your financial responsibilities? If you said Yes to any of these questions, you may not have enough life insurance coverage. National Western Life s NWL Accumulator offers life insurance protection, tax-deferred cash value accumulation (based on current tax laws), cash value loans, and partial surrender privileges all in one policy. The death benefit of your policy is based on the premiums you can afford, as well as your age and tobacco use. Subject to the policy s contractual provisions, the insurance and premium amounts are flexible and may be re-evaluated as your needs change. NWL Accumulator is available through your employer and is not available directly to individuals. You may choose the premium amount and apply for the amount of life insurance coverage that meets your individual needs. NWL Accumulator offers you. Features & Benefits Protection Cash Value Accumulation Because you care for your family, you will want to leave your beneficiaries financially secure. The death benefit of your life insurance policy can help at the time most needed. These tax-free proceeds can at the discretion of your beneficiaries help pay for child care, reduce bills, or help with educational expenses. Permanent coverage for you, your spouse and dependent children is available at affordable premiums (subject to underwriting guidelines). NWL Accumulator builds cash value at current interest rates. National Western guarantees the interest rate on the account balance will never fall below 4.0%. (In Texas the guaranteed interest rate is 4.0% per annum in policy years 1-10 and 3.5% per annum thereafter). Page 2 of 6

3 Flexibility Affordability Portability Loans Available Annual Statement Voluntary Participation Convenience Simplified Underwriting You choose the amount of coverage for which you wish to apply subject to a $5,000 minimum. You can modify your policy by increasing or decreasing your coverage as your needs change, subject to the policy s contractual provisions. Evidence of insurability is required for increases in coverage. Because this policy is owned by you, you choose the premium amount that fits your budget. Should you retire or leave your current employment after the first payroll deduction, you can continue the coverage through deduction from your checking or savings account, or we can bill you directly. Once accumulated, you can borrow against or withdraw from the cash value. Death benefits of the policy are reduced by account loans and withdrawals or we can bill you directly. To keep you informed, an annual report is sent to you, which lists all transactions of your policy, premiums paid, loans, costs and interest accumulation. The decision to participate is entirely yours. During your employment, premium payments are made through payroll deduction. The need to write checks and pay postage are eliminated. In most cases, your policy will be issued with little or no additional medical evidence required. Through NWL Accumulator s underwriting, your policy is issued and benefits are paid based on your answers to a simplified application. Issuance of the policy or payment of benefits may depend on your verifiable answers as provided in the application. Q&A - Frequently asked questions What is Universal Life Insurance? What can life insurance mean to you? Universal life insurance is a flexible premium product allowing you to vary your premium payments every year, subject to policy minimums. It combines cost-effective life insurance with on-going financial security. With National Western Life, YOU select the amount of coverage that is right for you. The cost of participation depends on the amount of coverage you wish, the age of those to receive coverage, and tobacco status. Tax-free death benefit paid to your beneficiary Provide for final expenses Ability to repay, debts and other obligations in the event of death Supplement for retirement needs Page 3 of 6

4 What can life insurance mean to your family? How much life insurance do I need? Could I buy this same policy without going through my employer? Can I make changes to my policy in the future? How will I know my policy s value? When will my coverage begin? Protection for you and your dependents A supplement to lost income To decide how much life insurance you need, ask yourself what income or cash your dependents would need if you were to die now. Compare this to the cash and income available now. Your new policy should come as close to making up the difference as you can afford. In figuring this out, think of the income your dependents will need for family living expenses, educational costs, and any other future expenses. Think also of cash needs - for the expenses of a final illness and for paying taxes, mortgages or other debts. Typically, National Western Life suggests that your life insurance coverage equal five to ten times your annual earnings. We encourage you to learn as much as you can about this insurance plan so that you can make an informed buying decision. Your NWL representative can help you with any questions you might have. No, this policy may only be applied for by employees of a qualified employer. In any event, you would not have the convenience of payroll deduction for your premium payments or the benefit of simplified underwriting. Yes, your NWL Accumulator policy can be changed to meet your needs as they change, subject to the policy s contractual provisions. You may adjust your premiums to meet your current circumstances, as long as there is sufficient cash value to pay for the monthly cost of your coverage. The death benefit can be increased after the fifth policy year if you are in good health, and it can be decreased after the first policy year, subject to the minimum face amount of the policy. Shortly after each Policy Anniversary, you will receive an annual statement from National Western Life containing details on your policy transactions: premiums paid, loans, costs, and interest accumulation. Interim Coverage: If you apply for this coverage through the payroll deduction mode of payment and are insurable at standard rates for the plan of insurance applied for, your interim coverage will become effective on the date you fully complete the application, any required amendments or medical tests, and file the payroll deduction for this proposed policy with your employer. This coverage is limited to the lesser of the face amount applied for or $50,000 and will remain in effect until the earliest of the policy becomes effective, or the application is cancelled or declined, but in any event not to exceed 60 days from the date of the application. Page 4 of 6

5 Can I insure my spouse and/or my children even if I don t apply for a policy for myself? What happens if I change employers? Who is eligible to participate in the NWL Accumulator program? How much does it cost? Does this program replace my present group insurance? How can I use my cash value? Yes, but their coverage may be dependent on their meeting certain minimal underwriting requirements. You can find out more about this at the enrollment meeting. Your NWL Accumulator policy is yours for as long as you make sufficient premium payments to keep your policy in force. Coverage may be continued with no change in benefits, even if you terminate employment. Should you leave your current employer, you may authorize National Western Life to make deductions from your checking or savings account, or we can bill you directly. You will be responsible for notifying National Western Life if you do change employers. Generally, employees who are actively at work (30 hours or more per week) and have a minimum of three months employment for a qualified employer. Some employers may require six to twelve months of employment. Employees who meet these requirements may also apply for coverage on their spouse and qualified dependent children. You decide. The death benefit of your policy depends on the amount of life insurance premiums you can afford. No, NWL Accumulator neither duplicates nor replaces any group coverage provided through your employer. It is designed to supplement your existing employer-provided benefits. Unlike most group life term insurance, the coverage provided under this program can build cash value and is portable if you retire or leave your employer for any reason, you may continue your coverage by paying your premiums directly to NWL. You can take a loan against a portion of your cash value as long as the unloaned portion of your cash value is sufficient to keep the Policy active until your next Policy Anniversary. The interest rate charged for such loans is published in the policy. Death benefits of the policy are reduced by the amount of the loan. More Benefits Available to You Spouse Term Life Rider (Form ) Children Protection Rider (Form (Rev.8/86)) This rider provides decreasing term life insurance on your spouse until he or she reaches age 65. This rider provides level term life insurance on each of your children (natural or adopted) until they reach age 25. Thereafter, if the rider is in force, the insurance on each child may be converted, on their 25th birthday, into an individual policy. Proof of insurability is not needed. Page 5 of 6

6 Accidental Death Benefit Rider (ADB) (Form ) Waiver of Monthly Deduction (Form ) Provides additional coverage in the event the Insured dies as a result of accidental bodily injury provided that the Insured dies within 90 days of the accident. See the policy contract for details, including limitations and restrictions. We will waive the monthly deductions for the Policy on or after the Policy Anniversary when the Insured s age is 15 or over, and while this rider is in force and the Insured is disabled, if the Policyholder provides NWL the proof of disability NWL requires in a timely manner. See the policy contract for details, including limitations and restrictions. About the Company National Western Life Insurance Company is a Colorado corporation with Executive Offices in Austin, Texas. The Company offers a full line of life insurance and annuity products (both on an individual and group basis), through general agency offices in 49 states and the District of Columbia. As of December 31, 2005, the Company had $14.7 billion of insurance in force, $5.66 billion in assets, $5.06 billion in liabilities, and $598 million in statutory capital and surplus. Since its start in 1956, National Western has emphasized financial strength for the protection of its policyholders. As a legal reserve insurance company, National Western must set aside a portion of its assets equal to reserves required by law. Annually, a financial statement is filed with each state s insurance department. These departments have the authority to verify, through reviews and audits, that the appropriate reserves are maintained. NWL Accumulator (policy form ) and state variations is a universal life insurance product issued by National Western Life Insurance Company, Austin, Texas. Policies and riders not available in all states. Certain limitations and exclusions apply. Page 6 of 6 Client Services Watts

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