This product makes it EASY to transfer and leverage a taxable asset into an income tax-free, probate-free inheritance! It's a simple product and simple process for both you and your clients.

Learn more about how this product works, simple ways to uncover unknown client assets, and details about the myriad of benefits available including:

  • Tax-free indexed product
  • 100% Return of Premium (ROP) anytime
  • 10-minute client phone interview
  • Carrier “A” rated by A.M. Best

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FOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 12001 - 2011/10/14

* Available through issue age 80; Commissions based on a General Agent [Level 3] contract.

** Accelerated Benefit Rider (Form 01-3113-04) – An advance of the Death Benefit if Insured needs Qualified Care Services or is terminally ill. Qualified Care Services represents a minimum of 90 consecutive days with continued care from a Nursing Home Facility, Home Health Care Provider or Assisted Living Facility. Max Benefit for Qualified Care Services = 24% of DB annually payable monthly, not to exceed $10,000. Max Benefit for Terminal Illness = Lesser of $250,000 or 75% - loans and unpaid loan interest. Max of all ABR payouts is the lesser of $500,000 or the Face Amount minus $12,500.

The NWL Lifetime Returns Select® (Policy Form 01-1143-07 and state variations) is a flexible premium universal life insurance policy that combines the features of traditional fixed interest universal life insurance with equity index options, issued by National Western Life Insurance Company, Austin, Texas. Policy and rider not approved in all states. Certain limitations and exclusions apply.

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