National Life Group is a diversified financial services group comprising of National Life Insurance Company, National Retirement Plan Advisors, Life Insurance Company of the Southwest, Sentinel Asset Management and Equity Services, Inc.

Its flagship company, National Life Insurance Company, was founded in 1848. It is located in Montpelier, Vermont and is licensed to sell in all 50 states and the District of Columbia. National Life Group, through its subsidiary companies, provides insurance, annuity and investment products to individuals, families and businesses. The product range includes term, whole and universal life insurance, fixed, indexed and variable annuities, and mutual funds. A high level description of products is as follows:

Life Insurance: National Life Group’s life insurance products include the whole life insurance that provides coverage for entire life, term life insurance that provides protection during the contracted period and universal life insurance that provides flexibility of premium payments and tax deferred cash value accumulation.

Fixed Annuities: Traditional tax-deferred annuities that provide accumulation at guaranteed rate of interest. The principal remains protected.

Fixed Indexed Annuities: The rate of return for indexed annuities is governed by the changes in the value of stock index to which the annuity is linked to. The principal is usually protected by the issuing company except in case of withdrawal or surrender.

Variable Annuities: In variable annuities, the money is invested in a portfolio of variable investment options. These annuities provide a potential for higher returns that are based on the market value of investments.

Mutual Funds: National Life Group provides mutual fund investment services to its clients through Sentinel Financial Services Company, one of its subsidiaries. Client’s money is invested in stocks, bonds and money market securities under the management and guidance of the company.

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