YourGardenStateAgent.com
The IUL That Pays You
While You’re Still Alive.
Living Life Defender is a permanent IUL from National Life Group — offered exclusively through Premier Financial Alliance — that protects your family, builds tax-deferred cash value, and pays living benefits when life gets interrupted by illness, injury, or disability.
negative in a crash
included at no extra cost
accelerated benefit riders
policy loans under current law
Life Gets Interrupted.
Most Policies Only Pay When You Die.
Standard life insurance leaves a critical 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
Permanent Death Benefit
Your Family Can Count On
Living Life Defender is a permanent IUL — 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.
- Lifetime coverage — never expires as long as premiums are paid
- Death benefit paid 100% income-tax free to beneficiaries
- Two options: Level death benefit (Option A) or Increasing (Option B)
- Guaranteed Flex Rider keeps policy in force for 10 years automatically
Dmitri, 42, Software Engineer, Bridgewater NJ
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.
Market-Linked Growth
With a Floor of Zero
Your cash value is indexed to the S&P 500 or other strategies — but you never directly own stocks. When the index rises, you’re credited up to the cap. When it falls, your floor is 0%.
- S&P 500 strategy: cap up to ~9.25% / floor 0%
- Credit Suisse Balanced Trend: participation-based strategy
- US Pacesetter Index: enhanced participation option
- Tax-deferred growth — no 1099s while inside the policy
- Customer Appreciation Bonus: 0.15%+ annually from year 6
- Loyalty Bonus: 1.00% every 10 policy years
| Year | S&P 500 | With 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. For illustration purposes only.
Five Ways Your Policy
Pays You While You’re Alive
Included at no additional premium cost. Access part of your death benefit early if you qualify — for any expense you choose.
Terminal Illness
Diagnosed with a terminal illness expected to cause death within 24 months? Access a portion of your death benefit immediately for any expenses.
Chronic Illness
Unable to perform 2 of 6 Activities of Daily Living? Monthly benefit payments from your death benefit help replace lost income and cover care costs.
Alzheimer’s Disease
Qualifying diagnosis of Alzheimer’s or Lewy Body Dementia triggers a lump-sum payout from your death benefit. Available for clients under 60.
Critical Illness
Heart attack, stroke, cancer, ALS, kidney failure, organ transplant, and 9 more qualifying conditions allow early access to your death benefit.
Critical Injury
Traumatic brain injury, paralysis, severe burns, or coma — qualifying injuries allow access to death benefit funds for recovery and living expenses.
No Extra Premium
All five ABRs are included at no additional premium cost. This is the PFA/NLG exclusive advantage over standard IUL products.
Covered Critical Illnesses
Covered conditions vary by state. ABR receipt reduces cash value and death benefit. Not available in CA on this form.
Built-In Protections
Most Policies Charge Extra For
Every rider below is automatically attached or available to add — several at zero additional cost.
Guaranteed Flex Rider
Policy guaranteed in-force for 10 years at no charge. Extend to 20, 30, or 40 years for a small monthly charge. Minimum premiums required during the guarantee period.
Fertility Journey Rider
One-time lump-sum Accumulated Value Credit for qualifying reproductive assistance. Automatically attached at issue — a unique NLG benefit reflecting commitment to modern families.
Extended Hospital Stay Benefit
Pays an additional $5,000 death benefit if the insured dies during or after a hospital stay of 20+ consecutive days. No extra premium.
Gap Protector Rider
Automatically increases your death benefit by 5%, 10%, or 15% annually — no new underwriting required. Annual premiums increase proportionally. Stop at any time.
Combo MultiChoice Rider
Add 20- or 30-year term coverage for your spouse, adult children, or key employees — all under one policy. Covered individuals access all five ABRs and can convert to their own policy.
Lifetime Income Benefit Rider (LIBR)
Converts your cash value into a guaranteed income stream that cannot be outlived. Activates ages 60–85 after policy in force 10+ years. 0.65% monthly charge only when income is activated.
Three Ways to Use Your
Cash Value While You Live
The cash value you build is yours to access. You decide how — and when.
Withdrawals
Take cash directly from your accumulated value. Up to the basis paid in, withdrawals are generally not taxable. Withdrawals reduce cash value and death benefit.
Policy Loans
Borrow against cash value — no credit check, no approval, no repayment schedule. Under current tax law, policy loans are generally not treated as taxable income.
Lifetime Income Rider
Activate the LIBR between ages 60–85 and convert cash value into a guaranteed income stream you cannot outlive. Payments can be level or increasing.
Elena, 44, Business Owner, Bridgewater NJ
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 LIBR for a guaranteed monthly income she cannot outlive.
The Tax-Free Layer High Earners
Are Adding to Their Retirement Plan
It’s not just how much you accumulate — it’s how much you keep after taxes. Living Life Defender fills the tax-free tier that most retirement plans miss.
- No contribution limits — unlike Roth IRA ($7,000/yr cap), you can put $1,000 or $10,000/month into Living Life Defender
- No income limits — Roth IRA phases out at ~$161K income; this policy has no income ceiling
- No RMDs — unlike a 401(k), there are no required minimum distributions at age 73
- Tax-free access — policy loans under current tax law are not treated as taxable income on individually-owned policies
- 1 in 4 people aged 65 today will live past 90 — the LIBR guarantees income you can’t outlive
Policy loans and withdrawals reduce cash value and death benefit. Consult your tax advisor.
Protection for Your Business,
Not Just Your Family
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.
Mortgage Protection
Add yourself and spouse under Combo MultiChoice. If a wage earner dies, the death benefit covers the mortgage. ABRs provide funds if illness strikes while still alive.
Buy-Sell Agreements
Cover multiple business owners affordably. The policy can be owned by the business itself. Lock in insurability now and convert to individual policies as structures evolve.
Key Person Coverage
Protect business continuity for employees critical to operations — especially those who travel frequently. Option to convert to Living Life Defender as career grows.
Adult Children
Young adults often can’t afford life insurance. Combo MultiChoice adds them affordably — locking in their insurability with a clear conversion path to their own policy.
Executive Compensation
Offer select employees Living Life Defender — augmented with term coverage for spouses — as part of a benefits package. Supports succession planning.
Collateral Assignment
Financial institutions requiring borrowers to carry life insurance? Combo MultiChoice provides the required death benefit protection at a lower cost than standalone term.
Questions Clients Ask
(And How to Think About Them)
Get Your Personalized
Living Life Defender Illustration
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 work for your specific situation.
Eugene Jaworski · NJ Life Insurance Producer #3001209553 · PFA / National Life Group · YourGardenStateAgent.com
Important Disclosures
Living Life Defender Indexed Universal Life (IUL), form series 20608(0119)/ICC19-20608(0119), is underwritten by Life Insurance Company of the Southwest, Addison, Texas. This marketing is not approved for use in CA. Accelerated Benefit Riders are optional and may not be available in all states or on all products. Receipt of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy, may result in a taxable event, and may affect eligibility for public assistance programs.
Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. The historical performance of indexes should not be considered a representation of past or future performance of any indexed strategy. Cap Rates and Participation Rates are subject to change annually. There are expense charges, policy fees, cost of insurance and other policy charges associated with this policy. None of the information on this page is intended as tax or legal advice. Please consult with your Attorney or Accountant prior to acting upon any information contained herein.
© 2026 YourGardenStateAgent.com · Eugene Jaworski NJ LIP #3001209553 · Astel United LLC · Millburn, NJ