March 29, 2025 – Effective Date of Change
National Life Group
Fixed Indexed Annuity
Growth Driver 10 25,000+
- S&P 500® Index Performance Trigger: Cap 5.75%
- S&P 500® Index Performance Trigger with RateBooster: Cap 7.25%
- S&P 500® Index 1-Year Point to Point Cap: Cap 7%
- S&P 500® Index 2-Year Point to Point Cap: Cap 15%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.35%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 120%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 160%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 120%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 160%
- 1-Year Declared Interest: Rate: 2.45%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 9%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 19%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 1.85%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 165%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 225%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 165%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 225%
Growth Driver 7 25,000+
- 1-Year Declared Interest: Rate: 2.4%
- S&P 500® Index 1-Year Point to Point Cap: Cap 6.5%
- S&P 500® Index 2-Year Point to Point Cap: Cap 14%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 115%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 155%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 115%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 155%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 8.5%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 18%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 160%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 220%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 160%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 220%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.25%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 1.75%
- S&P 500® Index Performance Trigger: Cap 5.5%
- S&P 500® Index Performance Trigger with RateBooster: Cap 7%
Income Driver 10 25,000+
- S&P 500® Index Performance Trigger: Cap 6.5%
- S&P 500® Index Performance Trigger with RateBooster: Cap 8%
- 1-Year Declared Interest: Rate: 2.4%
- S&P 500® Index 1-Year Point to Point Cap: Cap 8%
- S&P 500® Index 2-Year Point to Point Cap: Cap 17%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 140%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 200%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 140%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 200%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 10%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 21%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 190%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 265%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 190%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 265%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.5%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2%
Income Driver 7 25,000+
- 1-Year Declared Interest: Rate: 2.3%
- S&P 500® Index 1-Year Point to Point Cap: Cap 7.75%
- S&P 500® Index 2-Year Point to Point Cap: Cap 16.5%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 135%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 195%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 135%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 195%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 9.75%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 20.5%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 185%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 260%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 185%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 260%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.4%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 1.9%
- S&P 500® Index Performance Trigger: Cap 6.25%
- S&P 500® Index Performance Trigger with RateBooster: Cap 7.75%
Zenith Growth 10 25,000+
- S&P 500® Index Performance Trigger: Cap 8%
- S&P 500® Index Performance Trigger with RateBooster: Cap 9.5%
- 1-Year Declared Interest: Rate: 3.3%
- S&P 500® Index 1-Year Point to Point Cap: Cap 10%
- S&P 500® Index 2-Year Point to Point Cap: Cap 23%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 165%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 230%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 165%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 230%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 12.5%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 34%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 215%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 300%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 215%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 300%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.9%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2.5%
Zenith Growth 5 25,000+
- 1-Year Declared Interest: Rate: 3.1%
- S&P 500® Index 1-Year Point to Point Cap: Cap 9.25%
- S&P 500® Index 2-Year Point to Point Cap: Cap 20%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 155%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 220%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 155%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 220%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 11.5%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 25%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 205%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 290%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 205%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 290%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.65%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2.3%
- S&P 500® Index Performance Trigger with RateBooster: Cap 9%
- S&P 500® Index Performance Trigger: Cap 7.5%
Zenith Growth 7 25,000+
- S&P 500® Index Performance Trigger: Cap 7.75%
- S&P 500® Index Performance Trigger with RateBooster: Cap 9.25%
- 1-Year Declared Interest: Rate: 3.2%
- S&P 500® Index 1-Year Point to Point Cap: Cap 9.75%
- S&P 500® Index 2-Year Point to Point Cap: Cap 22%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 160%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 225%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 160%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 225%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 12%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 30%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 210%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 295%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 210%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 295%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.75%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2.4%
Zenith Income 10 – Max Bonus 25,000+
- 1-Year Declared Interest: Rate: 3.3%
- S&P 500® Index 1-Year Point to Point Cap: Cap 10%
- S&P 500® Index 2-Year Point to Point Cap: Cap 23%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 200%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 275%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 200%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 275%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 12.5%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 34%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 250%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 350%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 250%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 350%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.9%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2.5%
- S&P 500® Index Performance Trigger: Cap 8%
- S&P 500® Index Performance Trigger with RateBooster: Cap 9.5%
Zenith Income 10 – Split Bonus 25,000+
- S&P 500® Index Performance Trigger: Cap 8%
- S&P 500® Index Performance Trigger with RateBooster: Cap 9.5%
- 1-Year Declared Interest: Rate: 3.3%
- S&P 500® Index 1-Year Point to Point Cap: Cap 10%
- S&P 500® Index 2-Year Point to Point Cap: Cap 23%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 200%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 275%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 200%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 275%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 12.5%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 34%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 250%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 350%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 250%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 350%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.9%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2.5%
Zenith Income 7 – Max Bonus 25,000+
- 1-Year Declared Interest: Rate: 3.2%
- S&P 500® Index 1-Year Point to Point Cap: Cap 9.75%
- S&P 500® Index 2-Year Point to Point Cap: Cap 22%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 195%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 270%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 195%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 270%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 12%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 30%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 245%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 345%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 245%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 345%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.75%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2.4%
- S&P 500® Index Performance Trigger: Cap 7.75%
- S&P 500® Index Performance Trigger with RateBooster: Cap 9.25%
Zenith Income 7 – Split Bonus 25,000+
- S&P 500® Index Performance Trigger: Cap 7.75%
- S&P 500® Index Performance Trigger with RateBooster: Cap 9.25%
- 1-Year Declared Interest: Rate: 3.2%
- S&P 500® Index 1-Year Point to Point Cap: Cap 9.75%
- S&P 500® Index 2-Year Point to Point Cap: Cap 22%
- Global Balanced Index 1-Year Point to Point Participation Rate: Part Rate 195%
- Global Balanced Index 2-Year Point to Point Participation Rate: Part Rate 270%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate: Part Rate 195%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate: Part Rate 270%
- S&P 500® Index 1-Year Point to Point Cap RateBooster: Cap 12%
- S&P 500® Index 2-Year Point to Point Cap RateBooster: Cap 30%
- Global Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 245%
- Global Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 345%
- US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster: Part Rate 245%
- US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster: Part Rate 345%
- S&P 500® Index 1-Year Monthly Sum Cap: Cap 1.75%
- S&P 500® Index 1-Year Monthly Sum Cap RateBooster: Cap 2.4%
March 31, 2025 – Effective Date of Change
The Standard
- Focused Growth Annuity 10 15,000+ 4.35%
- Focused Growth Annuity 10 100,000+ 4.65%
- Focused Growth Annuity 3 15,000+ 4.15%
- Focused Growth Annuity 3 100,000+ 4.45%
- Focused Growth Annuity 5 15,000+ 4.65%
- Focused Growth Annuity 5 100,000+ 4.95%
- Focused Growth Annuity 7 15,000+ 4.65%
- Focused Growth Annuity 7 100,000+ 4.95%
- Multi-Choice 3 15,000+ 4.20%
- Multi-Choice 3 100,000+ 4.50%
- Multi-Choice 3 (Blue Series) 15,000+ 4.10%
- Multi-Choice 3 (Blue Series) 100,000+ 4.40%
- Multi-Choice 3 10% Withdrawal Provision 15,000+ 4.10%
- Multi-Choice 3 10% Withdrawal Provision 100,000+ 4.40%
- Multi-Choice 3 10% Withdrawal Provision (Blue Series) 15,000+ 4.00%
- Multi-Choice 3 10% Withdrawal Provision (Blue Series) 100,000+ 4.30%
- Multi-Choice 3 10% Withdrawal Provision ROP 15,000+ 4.00%
- Multi-Choice 3 10% Withdrawal Provision ROP 100,000+ 4.30%
- Multi-Choice 3 10% Withdrawal Provision ROP (Blue Series) 15,000+ 3.90%
- Multi-Choice 3 10% Withdrawal Provision ROP (Blue Series) 100,000+ 4.20%
- Multi-Choice 3 Interest Only Withdrawals 15,000+ 4.15%
- Multi-Choice 3 Interest Only Withdrawals 100,000+ 4.45%
- Multi-Choice 3 Interest Only Withdrawals (Blue Series) 15,000+ 4.05%
- Multi-Choice 3 Interest Only Withdrawals (Blue Series) 100,000+ 4.35%
- Multi-Choice 5 15,000+ 4.70%
- Multi-Choice 5 100,000+ 5.00%
- Multi-Choice 5 (Blue Series) 15,000+ 4.65%
- Multi-Choice 5 (Blue Series) 100,000+ 4.95%
- Multi-Choice 5 10% Withdrawal Provision 15,000+ 4.60%
- Multi-Choice 5 10% Withdrawal Provision 100,000+ 4.90%
- Multi-Choice 5 10% Withdrawal Provision (Blue Series) 15,000+ 4.55%
- Multi-Choice 5 10% Withdrawal Provision (Blue Series) 100,000+ 4.85%
- Multi-Choice 5 10% Withdrawal Provision ROP 15,000+ 4.50%
- Multi-Choice 5 10% Withdrawal Provision ROP 100,000+ 4.80%
- Multi-Choice 5 10% Withdrawal Provision ROP (Blue Series) 15,000+ 4.45%
- Multi-Choice 5 10% Withdrawal Provision ROP (Blue Series) 100,000+ 4.75%
- Multi-Choice 5 Interest Only Withdrawals 15,000+ 4.65%
- Multi-Choice 5 Interest Only Withdrawals 100,000+ 4.95%
- Multi-Choice 5 Interest Only Withdrawals (Blue Series) 15,000+ 4.60%
- Multi-Choice 5 Interest Only Withdrawals (Blue Series) 100,000+ 4.90%
- Multi-Choice 7 15,000+ 4.60%
- Multi-Choice 7 100,000+ 4.90%
- Multi-Choice 7 (Blue Series) 15,000+ 4.55%
- Multi-Choice 7 (Blue Series) 100,000+ 4.85%
- Multi-Choice 7 10% Withdrawal Provision 15,000+ 4.50%
- Multi-Choice 7 10% Withdrawal Provision 100,000+ 4.80%
- Multi-Choice 7 10% Withdrawal Provision (Blue Series) 15,000+ 4.45%
- Multi-Choice 7 10% Withdrawal Provision (Blue Series) 100,000+ 4.75%
- Multi-Choice 7 10% Withdrawal Provision ROP 15,000+ 4.40%
- Multi-Choice 7 10% Withdrawal Provision ROP 100,000+ 4.70%
- Multi-Choice 7 10% Withdrawal Provision ROP (Blue Series) 15,000+ 4.35%
- Multi-Choice 7 10% Withdrawal Provision ROP (Blue Series) 100,000+ 4.65%
- Multi-Choice 7 Interest Only Withdrawals 15,000+ 4.55%
- Multi-Choice 7 Interest Only Withdrawals 100,000+ 4.85%
- Multi-Choice 7 Interest Only Withdrawals (Blue Series) 15,000+ 4.50%
- Multi-Choice 7 Interest Only Withdrawals (Blue Series) 100,000+ 4.80%
