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National Western Life - Life Insurance

National Western Life Mission Statement:

National Western Life provides high quality insurance products on a global basis to meet the financial security needs of well-defined market segments. National Western provide professional and friendly service to their policyholders and agents and are responsive to the needs of National Western employees, shareholders and the community.


National Western Life - Life Insurance

When people ask about life insurance, there are two questions that are always at the top of the list.

"What kind of life insurance do I need?"
"How much life insurance do I need?"

Let’s take a moment to walk through the basics of life insurance.


Life Insurance Basics

When considering life insurance, you must first ask yourself two questions, "What kind and how much life insurance do I need?"

"What kind of life insurance do I need?"
All life insurance policies agree to pay an amount of money when you die. But all policies are not the same. Some provide permanent coverage and others temporary coverage. Some build up cash values and others do not. Some policies combine different kinds of insurance, and others let you change from one kind of insurance to another. Your choice should be based on your needs and what you can afford.

National Western Life offer universal life and term life insurance products.

Universal life insurance is a flexible premium product that lets you vary your premium payments every year, and even skip a payment if you wish. The premiums you pay (less expense charges) go into a policy account that earns interest, and charges for the insurance are deducted from the account. Here, insurance continues as long as there is enough money in the account to pay the insurance charges.

NWL’s universal life insurance portfolio includes:

  • NWL Lifeline & Benefactor Select®
  • Omega Gold VI
  • NWL Protector & NWL Accumulator
  • Payroll Benefit Life I & II
  • AFGE Security Plus II (for AFGE members)

"How much life insurance do I need?"
Each of our families face cash needs at the time of our death. While there are several ways of saving for this contingency, life insurance is the only real solution to long-term financial needs.

To decide how much life insurance you need, figure out what your dependents would have if you were to die now, and what they would actually need. 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. To help you calculate the amount of insurance you need, view their Financial Needs Analysis table on their web pages.

Things to Remember:

  • Review your particular insurance needs and circumstances. Choose the kind of policy with benefits that most closely fits your needs. If you’re not sure about any particular area, ask your NWL agent for help.
  • Be sure that the premiums are within your ability to pay. Do not look only at the initial premium, but note any later premium increases.

Now that you know the different kinds of insurance as well as the estimated amount of insurance you will need, let’s take a look at the variety of life insurance products NWL offers.


National Western Life Products

As times change, so do family needs and lifestyles. National Western Life is committed to providing policyholders with enhanced life products designed to meet the needs of tomorrow’s families and businesses. Let National Western show you how easy it can be to prepare for tomorrow with NWL Life Products.

NWL PROTECTOR & NWL ACCUMULATOR
Universal life Insurance products designed for employer-employee groups and their families.

PAYROLL BENEFIT LIFE I & II
A group universal life insurance product designed for employer-employee groups and their families.

NWL LIFELINE & BENEFACTOR SELECT ®
A flexible premium universal life insurance product that provides comprehensive, affordable security for any stage of life.

OMEGA GOLD IV-The Senior Plan
A flexible premium universal life insurance product designed for seniors.

AFGE Security Plus II
A group universal life product designed exclusively for American Federation of Government Employees (AFGE) members.

 

 

850 East Anderson Lane,
Austin,
TX
78752-1602

http://www.nationalwesternlife.com

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