Life Insurance Company of the Southwest Competitive Life Advantage LSW SecurePlus ® Advantage 79 versus Pacific Life Pacific Indexed Performer LT TC73149(0413)1 For Agent Use Only – Not For Use With the Public National Life Group is a tradename representing various affiliates which offer a variety of financial service products. Section 79 pans are offered and administered independently of the companies of National Life Group. National Life is bound only by the terms of life insurance contracts issued by the Group’s insurance companies.

Life Insurance Company of the Southwest LSW SecurePlus Advantage 79 Pacific Indexed Performer LT Length of Strategy Term1 year1,2, or 5 years Interest Rate Enhancement0.35% in years 11+Yes, from years 11 to the later of the 20 th year or attained age 70. Bonus varies by issue age and account SweepsMonthly Minimum Guaranteed Interest Rate2.50% on policy termination2.0% in fixed account LoansFixed Net Cost 125 bp fixed net cost years 1-10 Zero net cost years 11+ Variable Net Cost Loan amounts credited with indexed credits; charged variable loan rate. Can switch loan types on anniversary Fixed Net Cost 25 bp fixed net cost years 1-5 Zero net cost years 6+ Variable Net Cost Loan amounts credited with indexed credits; only 1-yr indexed account values may be used. charged variable loan rate. May switch loan types once per 12-month period Death Benefit OptionsLevel and increasingLevel, increasing, return of premium For Agent Use Only – Not For Use With the Public

Life Insurance Company of the Southwest LSW SecurePlus Advantage 79 Pacific Indexed Performer LT Strategies Available 1 Fixed 5 Indexed 1.S&P 500 ® 1-yr. point-to-point Cap Focus 2.S&P 500 ® 1-yr. p-t-p Par Rate Focus 3.S&P 500 ® 1-yr. p-t-p No Cap 4.S&P 500 ® 1-yr. Point-t- Average 5.MSCI Emerging Markets 1-yr Cap Focus 0% floor on indexed strategies 1 Fixed 5 Indexed 1.S&P 500 ® 1-yr. point-to-point 2.S&P 500 ® 1 year High Par p- t-p 3.S&P 500 ® 2-yr. p-t-p 4.International 1-yr p-t-p 5.S&P 500 ® 5-year High Par Maximum Current Illustrated Rates 1.Cap Focus – 100% Par; 13.0% Cap; 8.10% illustrated 2.Participation Rate Focus – 140% Par; 11.5% Cap; 8.00% illustrated 3.No Cap – 63% Par; No Cap; 7.90% illustrated 4.Point-to-Average – 115% Par; No Cap; 7.50% illustrated 5.Cap Focus – 100% Par Rate; 11.5% cap; 6.90% illustrated 1.1 year point-to-point – 100% Par; 12.0% Cap; 7.50% illustrated 2.1 year point-to-point – 150% Par; 11.0% Cap; 7.50% illustrated 3.2-year point-to-point– 100% Par; 32% cap; 8.50% illustrated 4.1-year pont-to-point International– 100% Par, 12.0% cap; 7.00% illustrated 5.5-year point-to-last year average – 115% Par; No Cap; 9.50% illustrated For Agent Use Only – Not For Use With the Public

Life Insurance Company of the Southwest LSW SecurePlus Advantage 79 Pacific Indexed Performer LT Accelerated Benefits Terminal Chronic Critical $1.5 million maximum accelerated amount combined for terminal and chronic, $1 million for critical Yes, 24 month life expectancy Yes Yes, 12 month life expectancy, up to the lesser of 75% of death benefit or $250,000 may be accelerated Yes, $1.5 million maximum acceleration No Definition of Life InsuranceGuideline Premium Test or Cash Value Accumulation Test Rolling Target PremiumNoYes, lifetime Surrender Charge Period5 years10 years Underwriting ClassesElite Non-tobacco, Preferred Non- Tobacco, Verified Standard Non- tobacco, Preferred Tobacco, Standard Tobacco Super Preferred Nonsmoker, Preferred Plus Nonsmoker, Standard Nonsmoker, Preferred Smoker, Standard Smoker Issue Ages20 – 850 – 90 Minimum Face Amount$100,000$50,000 For Agent Use Only – Not For Use With the Public

Life Insurance Company of the Southwest LSW SecurePlus Advantage 79 Pacific Indexed Performer LT Optional Riders and Benefits Lifetime Income Benefit RiderYesNo Overloan ProtectionYes Additional Protection BenefitMinimum Amount $25,000 9:1 maximum blend Minimum Amount $25,000 5:1 maximum blend Waiver of DeductionsNoYes Waiver of PremiumsYes, waives specified premiumYes, waives specified amount Children’s TermYes Disability IncomeYesNo Guaranteed InsurabilityYes Other Insured Term RiderYes For Agent Use Only – Not For Use With the Public SecurePlus Advantage 79 indexed universal life insurance is underwritten by Life Insurance Company of the Southwest, Addison, Texas. Pacific Indexed Performer LT indexed universal life is underwritten by Pacific Life Insurance Company, Omaha, Nebraska.

Life Insurance Company of the Southwest For Agent Use Only – Not For Use With the Public “Standard and Poor’s®,” “S&P®,” “Standard and Poor’s 500,” and “500” are trademarks of Standard & Poor’s and have been licensed for use by Life Insurance Company of the Southwest. The product is not sponsored, endorsed, sold or promoted by S&P and S&P makes no representation regarding the advisability of investing in this Product. The S&P Composite Index of 500 stocks (S&P 500®) is a group of unmanaged securities widely regarded by investors to be representative of large-company stocks in general. An investment cannot be made directly into an index. Certain features of this contract may be indexed to an MSCI Index. This contract is not sponsored, endorsed, sold or promoted by MSCI, Inc. and MSCI bears no liability with respect to any such contracts. A more detailed description of the limited relationship MSCI has with Life Insurance Company of the Southwest accompanies the contract. The MSCI Emerging Markets Index is a free float-adjusted market capitalization index that is designed to measure equity market performance of emerging markets. The MSCI Emerging Markets Index consists of the following 21 emerging market country indices: Brazil, Chile, China, Colombia, Czech Republic, Egypt, Hungary, India, Indonesia, Korea, Malaysia, Mexico, Morocco, Peru, Philippines, Poland, Russia, South Africa, Taiwan, Thailand, and Turkey.