¹Pyykkönen, A.-J., Räikkönen, K., Tuomi, T., Eriksson, J. G., Groop, L., & Isomaa, B. (2010). Stressful Life Events and the Metabolic Syndrome: The Prevalence, Prediction and Prevention of Diabetes (PPP)-Botnia Study. Diabetes Care, 33(2), 378-384. doi:10.2337/dc09-1027

²American Psychological Association. (2014). Stress in America. retrieved December 31, 2014.

³Durham, A. (2014). Financial concerns. 2014 Insurance Barometer Study.

⁴Consumer Federation of America. , & Certified Financial Planner Board of Standards, Inc., (2012). Household Financial Planning Survey and Index.

⁵MetLife. (2009). Study of the financial impact of premature death.

⁶Living benefits may be provided by life insurance riders, including Accelerated Benefit Riders. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event and may affect your eligibility for public assistance programs. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy.

⁷Centers for Disease Control and Prevention. (2010). Chronic disease overview: Costs of chronic disease.

⁸Cohen, Ph.D., R. A., Gindi, Ph.D., R. M., & Kirzinger, M.P.H., W. K. (2012). Financial burden of medical care: Early release of estimates from the national health interview survey, January-June 2011. Division of Health Interview Statistics, National Center for Health Statistics.

⁹Social Security Administration. (2014). Calculators: Life expectancy.

¹⁰LaCanfora, M. (2010, July 15). [Audio Tape Recording]. Statement of Marianna LaCanfora, Assistant Deputy Commissioner of Social Security Administration, Washington, D.C.

¹¹Guarantees are dependent upon the claims-paying ability of the issuing company. Life Insurance and annuity income riders typically have limitations and restrictions to exercising them, including but not limited to, minimum and maximum age requirements, years policy has been inforce and minimum policy values. Receipt of other policy benefits that reduce policy values may also reduce the ability to exercise the income rider. Receipt of life insurance income rider benefits will reduce the policy’s cash value and death benefit, may reduce or eliminate the availability of other policy and rider benefits, and may be taxable.

National Life Group^® is a trade name of National Life Insurance Company, Montpelier, VT, founded in 1848, Life Insurance Company of the Southwest, Addison, TX, chartered in 1955, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York. Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser.  Sentinel Investments^® is the unifying brand name for Sentinel Financial Services Company, Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc. All companies, unless otherwise noted, are affiliated and are located in Montpelier, VT.