Effective March 31 and April 1
We want to let you know about two upcoming changes to your Life and Annuity illustrations.
Annual Backcast Update
Effective March 31, 2026
Our annual backcast update, required by industry regulations, will take place on March 31.
- Annuities: Illustrated rates will reflect the historical period of 2016–2025. Participation rates and caps are not changing.
- Indexed Universal Life (IUL): Illustrations will continue to use a 65-year lookback period, updated to include 2025. As part of this required historical update, certain products will have participation rate adjustments for specific crediting strategies, and maximum illustrated rates will be updated accordingly. Caps are not changing.
Starting March 31, log in to the Agent Portal and access the National Life Group Illustration System to view the updated rates.
Please keep in mind that past performance does not guarantee future results.
Changes to Hypothetical Returns by Strategy
Effective April 1, 2026
Due to updates to Regulation AG49 requiring a history of at least 10 years, the Balanced Trend and US Pacesetter index crediting options will no longer appear in the “Hypothetical Returns by Strategy” section in Indexed Universal Life (IUL) illustrations.
Only returns for S&P 500® index crediting options will be shown.
Balanced Trend and US Pacesetter will still be available as index crediting options, and will continue to appear on the Which Index Should You Choose? flyer, which provides an overview of our index crediting options.
Note: Any application submitted on or after April 1 that includes an illustration run before April 1 requires a new illustration, which must be signed at delivery.
If you have any questions regarding these updates, please contact your sales support team.
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