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About The Balanced Program®

Ozark National Life began in 1964. By 1969 we began to market our new product - The Balanced Program®. At that time, we were convinced that The Balanced Program® would revolutionize the life insurance industry. We are even more convinced of that today. By combining a mutual fund investment with the coverage of a life insurance policy, The Balanced Program® provides the potential for growth and protection which neither product could provide alone.

The Balanced Program® is designed to provide for your future in the event of a long life, a premature death or a disability. Through the correlated sale of life insurance and mutual fund shares, The Balanced Program® can provide you with the guarantees of a life insurance policy together with the potential for growth through periodic investments in a mutual fund.

In the event of a long life, the life insurance policy accumulates cash values which are guaranteed. Additionally, potential growth is made possible through periodic investments in your mutual funds. Your mutual funds can be set up as a non-tax qualified account, a Roth IRA account, or an IRA account.

If you become disabled while covered by The Balanced Program's® total and permanent disability rider, the insurance protection will make periodic investments in your mutual fund account to meet your scheduled investments for as long as you remain disabled. In other words, the life insurance component will ensure that your intended investments are made, even if you become unable to work because of disability.

Additionally, the waiver of premium benefit provides for the payment of your life insurance premiums for as long as you remain disabled. Terms and conditions apply.

The Balanced Program® Features:

One Two Three Four
Modified Whole Life
Insurance with a
decreasing death
benefit. Lump sum
payment to beneficiary.
Plan 287 includes
an investment
plan completion
feature upon death.*

*Plan 287 only.
Disability Option:
Ozark National Life
will pay the fund in-
vestment and insur-
ance premium in the
event of a disability
before age 60
Guaranteed Cash
Mutual Fund
Investment: for as long as
you pay premiums
on your policy, and
the mutual fund
accounts can be set
up as a non-tax
qualified account, a
Roth IRA account,
or an IRA account.
Likewise, if you die, Ozark National Life will pay your designated beneficiaries scheduled death benefit which with our plan 287 is designed to allow the immediate purchase of mutual funds to complete the investment portion of the program.

We hope after reviewing this site, you will be as excited about The Balanced Program® as we are.

Keep in mind that investing involves risk. Past performance does not guarantee future results. The value of your investment will fluctuate over time, and you may gain or lose money. Investment return and principal value will vary and mutual fund shares may be worth more or less at redemption than the original purchase price. Mutual fund shares are not deposits or obligations of, or guaranteed or endorsed by, any bank or other depository institution. Shares are not federally insured by the FDIC, the Federal Reserve Board or any other government agency.

Ozark National Life

500 E. 9th Street
Kansas City, MO 64106

Phone: (816) 842-6300
Fax: (816) 471-6981
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Mutual funds are Investment Products

Life insurance provided by Ozark National Life Insurance Co.*
• (816) 842-6300
Mutual funds offered through N.I.S. Financial Services, Inc.*†^
• (816) 842-8685
500 E. 9th Street, Kansas City, MO 64106

* Wholly owned subsidiary of National Western Life Insurance Co.†
† Wholly owned subsidiaries of National Western Life Group, Inc.

^ N.I.S. Financial Services, Inc. is not a member of
Securities Investor Protection Corporation (SIPC).