Term Portfolio A CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company

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1 Term Portfolio A CONSUMER S GUIDE Breathe Easier. Worry Less. Products issued by National Life Insurance Company National Life Group is a trade name of National Life Insurance Company and its affiliates. TC83933(0415)3 Cat No (1215)

2 Term Insurance may be an ideal way to meet current, and often critical, insurance needs at affordable rates. 2

3 Term Insurance Term life insurance has long been the fi nancial product to which businesses, families and individuals have turned when they need large amounts of life insurance coverage at a minimal initial expense. Because it is pure insurance coverage there is no buildup of cash value term life insurance may be an ideal way to meet current, and often critical, insurance needs at affordable rates. This can be especially true for young families or new businesses just starting out. And with its built-in conversion feature, term life insurance is often used as a stepping stone to a permanent plan. As its name implies, term life insurance provides coverage for a specifi ed period of time a term of years. Before purchasing this type of coverage, however, be sure that the term policy and the company you select can protect your options for both the short and long duration. Since our founding in 1848, National Life Insurance Company (National Life) has consistently presented policyholders with a variety of competitive products and services that provide value year after year. We can help you meet your life insurance needs with affordable, adaptable, and convertible term products. Each of the National Life term life insurance products is competitively priced and designed to meet specific needs. In addition, National Life has six health classifi cations that will help to ensure you receive a policy suited to your health and lifestyle. Whether your life insurance needs are: short-term, low-cost insurance; guaranteed 1 premiums for a fi xed period of time; additional temporary death benefi t to supplement your permanent life insurance coverage; or term life insurance for now with a goal of converting to permanent insurance at a later date. 1 Guarantees are dependent upon the claims-paying ability of the issuing company. 3

4 Term insurance is a valuable tool that can help you meet your personal, business, and fi nancial insurance needs. National Life term insurance is an affordable way to provide fi nancial security for the people who rely on you today and tomorrow. The death benefi t can be used for: maintaining your family s lifestyle; providing for your children s education; providing supplemental retirement income for your spouse; business continuation planning; or charitable giving. Term Insurance affordable, adaptable, and convertible. 2 ART, L and GL Series Policy Form No ; 0028; ; , 9482 is underwritten by National Life Insurance Company, Montpelier, VT. 3 Additional coverage or additional riders added to the converted policy may require additional underwriting. All riders may not be available in all states or on all products. 4

5 Term Product Portfolio Annual Renewable Term (ART) 2 Our lowest initial premium Premiums increase annually based on your age Suitable for individuals and/or businesses requiring low-cost insurance protection for short periods of time Level Term Series (L Series) Two contracts available 15-year or 20-year Provides a lower premium for a shorter guaranteed period Premiums remain level for 10 years after which they may increase annually Suitable for individuals and/or businesses requiring insurance protection for a specifi c period at a predictable cost Guaranteed Level Term Series (GL Series) Three contracts available 10-year, 15-year, or 20-year Provides a level premium for a longer guaranteed period Premiums remain level for the contract term (10, 15, or 20-years) after which they will increase annually Suitable for individuals and/or businesses requiring insurance protection for a specifi c period at a predictable cost National Life term products may be ideal for consumers who: require insurance for a predictable period of time; require a large amount of insurance but have limited funds with which to purchase insurance; are interested in purchasing term life insurance at a low initial cost and having the option of converting to a permanent insurance product in the future with no additional evidence of insurability; 3 and are interested in purchasing term life insurance that offers optional riders that can provide living benefi ts in the event of an illness that is terminal, chronic or critical or in the event of a critical injury. 5

6 Other Features Waiver of Premium Rider 4 Purchase of this waiver provides that in the event of disability the company will waive premiums for the term policy. If you have been disabled for two years and wish to convert your policy to a new permanent policy, base premiums or monthly deductions on the new policy will also be waived until the insured recovers. Accelerated Benefit Rider This no-additional premium rider provides access to your policy death benefi t (on a discounted basis) should you become terminally, chronically or critically ill or become critically injured. 5 This rider can be added at issue or after issue. ABR Chronic is not available on Annual Renewable Term. The ability to accelerate the death benefit will end when the life insurance policy is terminated. Conversion from Term to Permanent Insurance This no-cost feature allows you to convert your term policy to a National Life permanent insurance product with no additional evidence of insurability. 6 The Annual Renewable Term contract is convertible for 10 years from date of issue. The Level and Guaranteed Level Term contracts are convertible to age 70 or for 5 years if later. Within the fi rst 5 years of your term contract you have the option of converting to a whole life policy based on your original issue age or your attained age, or any other permanent policy based on your attained age. After year 5 you have the option of converting based on attained age only. Conversion Credit You may be eligible for conversion credit (to a maximum of 12%) that will be deducted from the premium of the new policy when attained age conversion is exercised. Term Insurance protection for today and for the future. 6

7 4 Waiver of Premium Rider (form series 0071/71-80/0145/145-81) is optional and available at an additional cost. 5 Accelerated Benefi ts Riders, (form series 7490, 7493, 8765, 9744, ICC , ICC , ICC , 20286, ICC , 20006NY) are available on various Term Life policies underwritten by National Life Insurance Company (NLIC). ART is not available with Critical ABR. Riders are optional, may be subject to underwriting, exclusions and/or limitations and may not be available in all states or on all products. Receipt of accelerated benefi ts reduces the Death Benefi t and cash value (if any) otherwise payable under the policy, may be a taxable event and may affect your eligibility for public assistance programs, such as medical assistance (Medicaid), Aid to Families with Dependent Children, and Supplemental Security Income. Please consult your personal tax advisor to determine the tax status of any benefi ts 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. This rider is intended for favorable tax treatment under Section 101(g) of the Internal Revenue Code (26 U.S.C. Sec. 101(g)). Whether such benefi ts qualify depends on factors such as your life expectancy at the time benefi ts are accelerated or how the benefi ts are used. There is no restriction placed on the use of the accelerated benefit with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualifi ed Long-Term Care services, which are defi ned as: The necessary diagnostic, preventative, therapeutic, curing, treating, mitigating and rehabilitative services, and maintenance or personal care services that are required by a chronically ill individual and are provided pursuant to a plan of care prescribed by a licensed health care practitioner. The actual payment you receive will be less than the portion of the death benefi t accelerated because the benefi ts are paid prior to death. Values are based on a current interest rate and mortality rates. There is an initial administrative fee at the time the rider is exercised. We currently limit the amount of death benefi t that may be accelerated under all contracts made over the entire lifetime of the insured to $1,500,000 for terminal illness or chronic illness, $2,000,000 for covered chronic illness in NY, and $1,000,000 for critical illness or critical injury. We reserve the right to change this limit in the future; however the limit will never be less than $500,000. Other restrictions, limitations and waiting periods may apply. Our Terminal Illness riders allow for the payment of a portion of an insured s death benefi t, on a discounted basis, if the insured has an illness or chronic condition which can reasonably be expected to result in death in 24 months or less. There is no additional premium for this rider. Our Chronic Illness and Covered Chronic Illness riders allow for the payment of a portion of an insured s death benefi t, on a discounted basis, if the insured is Chronically Ill. A chronic illness is defi ned as one that leaves you unable to perform, without substantial assistance, two of the six normal activities of daily living for a period of at least 90 consecutive days due to a loss of functional capacity or requires substantial supervision to protect oneself from threats to health and safety due to severe cognitive impairment. The six activities of daily living include bathing, continence, dressing, eating, toileting, and transferring. There is no additional premium for this rider. Our Critical Illness Riders allows for the payment of a portion of an insured s death benefi t, on a discounted basis, if the insured is Critically Ill or Critically Injured. Covered critical illnesses are ALS (Lou Gehrig s disease), Aorta Graft Surgery, Aplastic Anemia, Blindness, Cancer, Cystic Fibrosis, End Stage Renal Failure, Heart Attack, Heart Valve Replacement, Major Organ Transplant, Motor 7

8 Neuron Disease, Stroke or Sudden Cardiac Arrest. Covered critical injuries are Coma, Paralysis, Severe Burns or Traumatic Brain Injury. Covered critical illnesses and covered critical injuries may vary by state. Covered Critical illness in the state of MA 9744MA(0204) includes: Coronary artery disease resulting in acute infarction vascular or requiring surgery; End-stage Renal Disease; Major organ transplant; Permanent neurological defi cit resulting from cerebral vascular accident; Diagnosis of an invasive malignancy characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Cancer does not include: Stage A Prostate Cancer; Any skin cancer, except invasive malignant melanoma into the dermis or deeper; Pre-malignant lesions, benign tumors, or polyps; and Carcinoma in-situ. There is no additional premium for this rider. Accelerated Benefits Riders (ABR) vs. Long-term Care (LTC) Insurance Certain states require advertising for ABRs to provide a comparison to the benefi ts provided by LTC insurance. However, Accelerated Benefi ts provided by the ABR riders are not long-term care insurance, and are not intended to be the same as, or an alternative to, long-term care insurance. This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in the event that you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide long-term care insurance subject to California long-term care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement (policy or certificate). ABR Riders are supplemental benefi ts that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Receipt of benefi ts may reduce or eliminate the availability of other policy riders and benefi ts. Benefi ts available are calculated at time of claim based on the age of the policy and our expectation of your future mortality. The amount of Accelerated Benefit available will depend on your life policy s death benefit value when ABR benefits are claimed. For policies in good standing, if ABR benefits are not used, policy death benefi ts and other rider benefi ts are still available. Long-term care (LTC) insurance is not life insurance, and as such, has no death benefi t or cash value. LTC insurance benefi ts are specifi ed at the time of the contract. LTC benefi ts are paid as a form of expense reimbursement for qualifi ed long-term care expenses. By comparison, since ABR benefi ts can be used for any reason, they are paid once qualifi cations are met, and do not require you to provide receipt of specifi c expenses to qualify for the benefi t. LTC premiums vary based on the level and length of benefit chosen by the policyholder. Premiums are paid on a recurring basis, and failure to pay premiums will generally lapse the policy. If LTC benefi ts are not claimed, they are typically forfeited. LTC insurance policies may offer non-forfeiture benefi ts for additional premium. This is a solicitation of insurance. An insurance agent may contact you. This product is a life insurance policy with a rider that accelerates the death benefit on account of chronic illness and is not a health insurance policy providing long-term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long-Term Care Partnership program and is not a Medicare supplement policy. 6 Additional coverage or additional riders added to the converted policy may require additional underwriting. All riders may not be available in all states or on all products Centralized Mailing Address: One National Life Drive, Montpelier, VT 05604

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