On The Move – March 25, 2025

March 29, 2025 – Effective Date of Change

National Life Group

Fixed Indexed Annuity

Growth Driver 10 25,000+

• S&P 500® Index Performance Trigger:  Cap 5.75% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 7.25% 
• S&P 500® Index 1-Year Point to Point Cap:  Cap 7% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 15% 
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.35% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 120%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 160%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 120%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 160%
• 1-Year Declared Interest:  Rate: 2.45%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 9% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 19% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 1.85% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 165%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 225%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 165%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 225%

Growth Driver 7 25,000+

• 1-Year Declared Interest:  Rate: 2.4%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 6.5% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 14% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 115%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 155%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 115%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 155%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 8.5% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 18% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 160%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 220%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 160%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 220%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.25% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 1.75% 
• S&P 500® Index Performance Trigger:  Cap 5.5% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 7% 

Income Driver 10 25,000+

• S&P 500® Index Performance Trigger:  Cap 6.5% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 8% 
• 1-Year Declared Interest:  Rate: 2.4%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 8% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 17% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 140%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 200%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 140%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 200%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 10% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 21% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 190%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 265%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 190%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 265%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.5% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2% 

Income Driver 7 25,000+

• 1-Year Declared Interest:  Rate: 2.3%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 7.75% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 16.5% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 135%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 195%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 135%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 195%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 9.75% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 20.5% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 185%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 260%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 185%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 260%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.4% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 1.9% 
• S&P 500® Index Performance Trigger:  Cap 6.25% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 7.75% 

Zenith Growth 10 25,000+

• S&P 500® Index Performance Trigger:  Cap 8% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 9.5% 
• 1-Year Declared Interest:  Rate: 3.3%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 10% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 23% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 165%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 230%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 165%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 230%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12.5% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 34% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 215%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 300%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 215%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 300%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.9% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.5% 

Zenith Growth 5 25,000+

• 1-Year Declared Interest:  Rate: 3.1%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 9.25% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 20% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 155%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 220%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 155%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 220%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 11.5% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 25% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 205%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 290%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 205%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 290%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.65% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.3% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 9% 
• S&P 500® Index Performance Trigger:  Cap 7.5% 

Zenith Growth 7 25,000+

• S&P 500® Index Performance Trigger:  Cap 7.75% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 9.25% 
• 1-Year Declared Interest:  Rate: 3.2%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 9.75% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 22% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 160%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 225%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 160%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 225%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 30% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 210%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 295%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 210%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 295%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.75% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.4% 

Zenith Income 10 – Max Bonus 25,000+

• 1-Year Declared Interest:  Rate: 3.3%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 10% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 23% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12.5% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 34% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.9% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.5% 
• S&P 500® Index Performance Trigger:  Cap 8% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 9.5% 

Zenith Income 10 – Split Bonus 25,000+

• S&P 500® Index Performance Trigger:  Cap 8% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 9.5% 
• 1-Year Declared Interest:  Rate: 3.3%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 10% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 23% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12.5% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 34% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.9% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.5% 

Zenith Income 7 – Max Bonus 25,000+

• 1-Year Declared Interest:  Rate: 3.2%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 9.75% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 22% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 30% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.75% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.4% 
• S&P 500® Index Performance Trigger:  Cap 7.75% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 9.25% 

Zenith Income 7 – Split Bonus 25,000+

• S&P 500® Index Performance Trigger:  Cap 7.75% 
• S&P 500® Index Performance Trigger with RateBooster:  Cap 9.25% 
• 1-Year Declared Interest:  Rate: 3.2%
• S&P 500® Index 1-Year Point to Point Cap:  Cap 9.75% 
• S&P 500® Index 2-Year Point to Point Cap:  Cap 22% 
• Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195%
• Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270%
• S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12% 
• S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 30% 
• Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245%
• Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345%
• US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245%
• US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345%
• S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.75% 
• S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.4% 

March 31, 2025 – Effective Date of Change

The Standard

• Focused Growth Annuity 10 15,000+  4.35%
• Focused Growth Annuity 10 100,000+  4.65%
• Focused Growth Annuity 3 15,000+  4.15%
• Focused Growth Annuity 3 100,000+  4.45%
• Focused Growth Annuity 5 15,000+  4.65%
• Focused Growth Annuity 5 100,000+  4.95%
• Focused Growth Annuity 7 15,000+  4.65%
• Focused Growth Annuity 7 100,000+  4.95%
• Multi-Choice 3 15,000+  4.20%
• Multi-Choice 3 100,000+  4.50%
• Multi-Choice 3 (Blue Series) 15,000+  4.10%
• Multi-Choice 3 (Blue Series) 100,000+  4.40%
• Multi-Choice 3 10% Withdrawal Provision 15,000+  4.10%
• Multi-Choice 3 10% Withdrawal Provision 100,000+  4.40%
• Multi-Choice 3 10% Withdrawal Provision (Blue Series) 15,000+  4.00%
• Multi-Choice 3 10% Withdrawal Provision (Blue Series) 100,000+  4.30%
• Multi-Choice 3 10% Withdrawal Provision ROP 15,000+  4.00%
• Multi-Choice 3 10% Withdrawal Provision ROP 100,000+  4.30%
• Multi-Choice 3 10% Withdrawal Provision ROP (Blue Series) 15,000+  3.90%
• Multi-Choice 3 10% Withdrawal Provision ROP (Blue Series) 100,000+  4.20%
• Multi-Choice 3 Interest Only Withdrawals 15,000+  4.15%
• Multi-Choice 3 Interest Only Withdrawals 100,000+  4.45%
• Multi-Choice 3 Interest Only Withdrawals (Blue Series) 15,000+  4.05%
• Multi-Choice 3 Interest Only Withdrawals (Blue Series) 100,000+  4.35%
• Multi-Choice 5 15,000+  4.70%
• Multi-Choice 5 100,000+  5.00%
• Multi-Choice 5 (Blue Series) 15,000+  4.65%
• Multi-Choice 5 (Blue Series) 100,000+  4.95%
• Multi-Choice 5 10% Withdrawal Provision 15,000+  4.60%
• Multi-Choice 5 10% Withdrawal Provision 100,000+  4.90%
• Multi-Choice 5 10% Withdrawal Provision (Blue Series) 15,000+  4.55%
• Multi-Choice 5 10% Withdrawal Provision (Blue Series) 100,000+  4.85%
• Multi-Choice 5 10% Withdrawal Provision ROP 15,000+  4.50%
• Multi-Choice 5 10% Withdrawal Provision ROP 100,000+  4.80%
• Multi-Choice 5 10% Withdrawal Provision ROP (Blue Series) 15,000+  4.45%
• Multi-Choice 5 10% Withdrawal Provision ROP (Blue Series) 100,000+  4.75%
• Multi-Choice 5 Interest Only Withdrawals 15,000+  4.65%
• Multi-Choice 5 Interest Only Withdrawals 100,000+  4.95%
• Multi-Choice 5 Interest Only Withdrawals (Blue Series) 15,000+  4.60%
• Multi-Choice 5 Interest Only Withdrawals (Blue Series) 100,000+  4.90%
• Multi-Choice 7 15,000+  4.60%
• Multi-Choice 7 100,000+  4.90%
• Multi-Choice 7 (Blue Series) 15,000+  4.55%
• Multi-Choice 7 (Blue Series) 100,000+  4.85%
• Multi-Choice 7 10% Withdrawal Provision 15,000+  4.50%
• Multi-Choice 7 10% Withdrawal Provision 100,000+  4.80%
• Multi-Choice 7 10% Withdrawal Provision (Blue Series) 15,000+  4.45%
• Multi-Choice 7 10% Withdrawal Provision (Blue Series) 100,000+  4.75%
• Multi-Choice 7 10% Withdrawal Provision ROP 15,000+  4.40%
• Multi-Choice 7 10% Withdrawal Provision ROP 100,000+  4.70%
• Multi-Choice 7 10% Withdrawal Provision ROP (Blue Series) 15,000+  4.35%
• Multi-Choice 7 10% Withdrawal Provision ROP (Blue Series) 100,000+  4.65%
• Multi-Choice 7 Interest Only Withdrawals 15,000+  4.55%
• Multi-Choice 7 Interest Only Withdrawals 100,000+  4.85%
• Multi-Choice 7 Interest Only Withdrawals (Blue Series) 15,000+  4.50%
• Multi-Choice 7 Interest Only Withdrawals (Blue Series) 100,000+  4.80%