Living Life Defender is a Permanent Life Insurance policy from National Life Group — offered exclusively through Premier Financial Alliance — that protects your family, grows tax-deferred cash value, and pays out living benefits when life gets interrupted by illness, injury, or disability.
Standard life insurance leaves a gap: it doesn't help you while you're alive. Living Life Defender was built to close that gap.
of Americans would face financial hardship within 6 months if a wage earner died
of U.S. bankruptcies are directly caused by medical expenses
of disabilities are caused by illness — not accidents
of Americans feel their retirement planning is on track
Living Life Defender is a permanent, Indexed Universal Life policy — it never expires. Unlike term, it doesn't walk away after 20 or 30 years. Your family is protected whether you die at 52 or 92.
Earns $185K/year. 401(k) maxed. Puts $1,500/month into Living Life Defender. In a good S&P year (+22%), his cash value is credited up to the cap. In a 2008-style crash (–38%), his cash value stays at 0% — not –38%. At 65, he draws ~$3,500/month in tax-free policy loans and still has a death benefit protecting his family.
Your cash value is indexed to the S&P 500, Credit Suisse Balanced Trend, or US Pacesetter Index — but you never directly own stocks. When the index rises, you're credited up to the cap rate. When it falls, your floor is 0%.
| Year | S&P 500 | S&P w/ 0% Floor | Your Cash Value |
|---|---|---|---|
| 2018 | –6.24% | 0.00% | Protected ✓ |
| 2019 | +28.88% | +9.25% (cap) | Credited ✓ |
| 2020 | +16.26% | +9.25% (cap) | Credited ✓ |
| 2021 | +26.89% | +9.25% (cap) | Credited ✓ |
| 2022 | –19.44% | 0.00% | Protected ✓ |
Historical rates shown apply current Cap, Participation and Floor rates to past index performance. Not a guarantee of future results. Actual credited rates depend on declared rates and policy charges. For illustration purposes only.
These riders are included at no additional premium cost. They allow you to access part of your death benefit early if you qualify — for any expense you choose.
Diagnosed with a terminal illness expected to cause death within 24 months? Access a portion of your death benefit immediately to manage expenses, travel, home care, or anything else.
Unable to perform 2 of 6 Activities of Daily Living (bathing, dressing, eating, etc.)? Monthly benefit payments from your death benefit help replace lost income and cover care costs.
Qualifying diagnosis of Alzheimer's or Lewy Body Dementia triggers a lump-sum payout from your death benefit. Available at issue for clients under 60 with no immediate family history.
Heart attack, stroke, cancer, ALS, kidney failure, organ transplant, and 9 more qualifying conditions allow access to your death benefit on a discounted basis while you're still living.
Traumatic brain injury, paralysis, severe burns, or coma — qualifying injuries allow access to death benefit funds to cover recovery, home modification, and living expenses.
All five Accelerated Benefit Riders are included at no additional premium cost. This is what makes Living Life Defender uniquely positioned among IUL products.
// Covered Critical Illnesses
Covered conditions vary by state. Critical illness claim must be filed within 365 days of qualifying event. ABR receipt reduces cash value and death benefit. Not available in CA on this form.
Every rider below is automatically attached or available to add. Several come at zero additional cost.
Your policy is guaranteed to stay in-force for 10 years at no charge — automatically added if eligible. Extend to 20, 30, or 40 years for a small monthly charge. Minimum premiums required during the guarantee period.
Provides a one-time lump-sum Accumulated Value Credit in the event of qualifying reproductive assistance. Automatically attached at issue, no additional charge. A unique benefit that reflects NLG's commitment to modern families.
Pays an additional $5,000 death benefit if the insured dies during or after a hospital stay of 20+ consecutive days. No extra premium. Hospital must be in the U.S. Confinement must begin after the first policy year.
Automatically increases your death benefit by 5%, 10%, or 15% annually — no new underwriting required. Annual premiums increase proportionally. Stop at any time. Designed for clients whose coverage needs grow with their income.
Add 20- or 30-year term coverage for your spouse, adult children, or key employees — all under one policy. Covered individuals retain access to all five ABRs. Covered person can convert to their own Living Life Defender at any time.
Automatically added to qualifying policies. When activated (ages 60–85, policy in force 10+ years), converts your cash value into a guaranteed income stream that cannot be outlived — monthly, quarterly, or annually. 0.65% monthly charge only when income is activated.
The cash value you build inside Living Life Defender is yours to access. You decide how — and when.
Take cash directly from your accumulated value. Up to the basis paid in, withdrawals are generally not taxable. Note: withdrawals reduce cash value and may require additional premiums to keep the policy active.
Borrow against your cash value with no credit check, no approval process, and no repayment schedule. Under current tax law, policy loans on individually-owned policies are generally not treated as taxable income.
Activate the LIBR between ages 60–85 and convert cash value into a guaranteed income stream you cannot outlive. All premium payments stop; your policy stays in force. Payments can be level or increasing.
Pays $350/month into Living Life Defender. At year 20 she has approximately $85K in accessible cash value. She takes a $40K policy loan — tax-free, no repayment deadline — to expand her business. Her death benefit still pays out to her heirs. When she retires, she activates the Lifetime Income Benefit Rider for a guaranteed monthly income she cannot outlive. The policy continues protecting her family throughout.
It's not just about how much you accumulate — it's about how much you keep after taxes. Living Life Defender fills the tax-free tier that most retirement plans miss.
Policy loans and withdrawals reduce cash value and death benefit and may result in a taxable event. The ability to accumulate sufficient cash value depends on premium amounts, index performance, and policy charges. Consult your tax advisor.
The Combo MultiChoice Rider extends Living Life Defender into a powerful business planning tool — buy-sell agreements, key person coverage, executive compensation, and collateral assignment.
Add yourself and spouse under Combo MultiChoice. If a wage earner dies, the death benefit covers the mortgage. If illness strikes, ABRs provide funds while still alive — preserving the primary death benefit for heirs.
Cover multiple business owners affordably. The policy can be owned by the business itself. Lock in insurability now and convert to individual Living Life Defender policies as business structures evolve.
Protect business continuity for employees critical to operations — especially those who travel frequently. Option to convert to Living Life Defender as the employee's needs grow with their career.
Young adults often can't afford or don't prioritize life insurance. Combo MultiChoice adds them affordably — locking in their insurability and providing a clear conversion path to their own policy.
Offer select employees Living Life Defender — augmented with term coverage for spouses — as part of a benefits package. Supports succession planning and helps retain top talent.
Financial institutions requiring borrowers to carry life insurance? Combo MultiChoice provides the required death benefit protection at a lower cost than purchasing a standalone term policy.
Every policy is custom-designed based on your age, health, income, and goals. A free illustration shows exactly how your cash value, death benefit, and living benefits would work for your specific situation.
Eugene Jaworski · NJ Life Insurance Producer #3001209553 · PFA / National Life Group · YourGardenStateAgent.com