About National Western Life Insurance Company® National Western Life Insurance Company® is a Colorado corporation with executive oﬃces in Austin, Texas. The Company oﬀers a full line of life insurance and annuity products through independent agents, brokers and national marketing organizations (NMOs) in 49 states, the District of Columbia, Puerto Rico, Guam, the Virgin Islands and accepts applications from residents of several foreign countries. Visit the Company website www.nationalwesternlife.com for all current financial information. National Western Life has consistently ranked in the top 100 companies in the industry by total admitted assets and capital surplus. Rating Information Standard and Poor’s® has rated National Western “A” (Strong), while A.M. Best Company’s rating is “A” (Excellent). A.M. Best’s ratings evaluate company factors in order to provide an opinion of the company’s financial strength, operating performance, and ability to meet its obligations to policyholders. Rating range from A++ to F. A Standard & Poor’s® rating is an opinion of a company’s financial security with respect to its ability to pay on its insurance policies and contracts in accordance with their terms. Rapid Issue Term and Whole Life Plans Since its start in 1956, National Western has emphasized financial strength for the protection of its policyholders. As a legal reserve insurance company, National Western must set aside a portion of its assets equal to reserves required by law. Annually, a financial statement is filed with each state’s insurance department. These departments have the authority to verify, through reviews and audits, that the appropriate reserves are maintained. Consumer Guide NWL® Option Life Series Issued by National Western Life Insurance Company® Rapid Issue Term 10, 20, and 30 Years (Form 01-1168-13 and state variations) Rapid Issue Whole Life (Form 01-1166-14 and state variations) Other Insured Rider (Form 01-3159-14 and state variations) NWL® Option Life Series consists of the Graded Death Benefit Life and Rapid Issue product lines. Rapid Issue Whole Life (ICC14-01-1166-14 and state variations) and Rapid Issue 10, 20, and 30 Year Term (ICC1401-1168-14 and state variations) are issued by National Western Life Insurance Company®, Austin, Texas. CERTAIN LIMITATIONS AND EXCLUSIONS APPLY. Products and riders are not approved in all states. See policy for complete information and details. Policy and Riders may not be available in all states. Certain limitations, restrictions, and exclusions apply. www.nationalwesternlife.com DM-1280 The NWL® Rapid Issue Products A Choice of Term or Whole Life Coverage National Western Life Insurance Company® oﬀers a choice of either Rapid Issue Term Life insurance if you are seeking pure temporary protection or Rapid Issue Whole Life if your needs are more permanent. In addition to providing insurance coverage that meets your needs, National Western Life is pleased to oﬀer “NOW” Underwriting. After completing the application, you and your agent can quickly receive an underwriting decision on your application by answering a series of questions that a professional, experienced interviewer will ask by phone. This unique underwriting process not only speeds the time needed to determine an underwriting decision, but may eliminate exams, blood tests, and delays. You may be able to obtain coverage in days, instead of months. TERM LIFE WHOLE LIFE Death Benefits: Level Death Benefit to age 95 Death Benefits: Issue Ages: 10 Year Term: 20-65 years old Issue Ages: 20-75 years old 20 Year Term: 20-55 years old 30 Year Term: 20-45 years old Level Death Benefit to age 121 Maximum/Minimum Face Amount: Maximum: $250,000 Minimum: $25,000 Maximum/Minimum Face Amount: Maximum: $250,000 Minimum: $25,000 TERM AND WHOLE LIFE POLICY FEES Face Amounts Base Other Insured Rider $25,000 - $99,999 $100,000 - $174,999 $175,000 - $250,000 $125 $75 $40 $85 $35 $0