National Life Group (LSW) FIT Choice Fixed Indexed Annuity


National Life Group (LSW) FIT Choice fixed index annuity is designed to provide you a retirement income for life. 

National Life Group (LSW) FIT Choice can help build your retirement savings with a Fixed Indexed Annuity that offers the potential for a higher guaranteed lifetime income than a traditional fixed annuity to help realize a Financially Independent Tomorrow (FIT).


About National Life Group



Choose from two Guaranteed Lifetime Income Riders (GLIRs) to help turn your retirement savings into guaranteed income for life!


You have control of your money.

Choose how to allocate your values between multiple crediting options.

Never lose a penny due to a market downturn

Premiums paid and interest credited are not subject to market risk.


How Does Interest Crediting Work?

Let’s keep it simple.

  • Step 1: You pay a premium to the insurance company.
  • Step 2: Your Single Premium Deferred Annuity is issued.
  • Step 3: Your premium dollars then go into the interest strategy of your choice.
  • Step 4: After one year, we calculate the change in your chosen strategies.
  • Step 5: If the change is positive, your policy is credited interest after applying any caps and participation rates. If the change is negative, your policy is credited 0%.

Upside Potential
The interest crediting based in part on the positive change of a major market index.

Downside Protection
Guaranteed 0% interest crediting floor in the event of a decline in the index.


Benefits and Features

Your National Life Group FIT Choice annuity provides many additional benefits at no additional cost, such as:

  • Nursing Care and Terminal Illness Riders (in states where approved) at no additional cost.
  • 10% Free Withdrawals in Policy Year 2+

People worry most about outliving money early in retirement; for some health becomes the area of greatest concern.

The Nursing Care and Terminal Illness riders give you peace of mind that you will have access to a portion of your savings without surrender charges in the case of a qualifying event.

FIT Choice GLIR Options

 National Life Group’s FIT Choice offers two unique Guaranteed Lifetime Income Riders with a bonus feature that lets you choose how to optimize your income.


Minimum Premium

Maximum Premium

Enhanced Benefits


Contract Length

Company Rating (A.M. Best)

Maximum Issue Age

Accepted Funds

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Insurance Company

Premium Type

Annuitization Required

Annual Penalty-Free Withdrawals

Death Benefit


Surrender Charge Waivers


Annual Fees

State Availability

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Liquidity Options

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