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The Balanced Program®

You’ve probably at some time considered the question, “how does life insurance work?” We’ve provided an easy-to-understand description of the product we offer. Since its existence in 1969, our product, The Balanced Program®, has provided life insurance and mutual fund investments to help you rest assured, whether your future holds an illness, injury, or even death.

Live: Mutual Fund Investments; Die: Death Benefit and Investment Completion; Disabled: Waiver of Premium and Scheduled Investment Completion


The Balanced Programs® are a family of modified whole life insurance policies where, after the first policy year, the policy holder makes periodic investments in a mutual fund account. During the first year, all of the payments are applied as life insurance premiums. Unless you make special arrangements, only the amount with which you establish your mutual fund account will be invested for the first year. After the first year, Ozark National Life will forward an amount equal to approximately one-half of the basic premium to be invested in your mutual fund account. These payments will continue for as long as you pay premiums on your policy.
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.

FINRA's BrokerCheck.     N.I.S. Financial Services

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 subsidiaries of National Western Life Group, Inc.†
† Wholly owned subsidiaries of S. USA Life Insurance Company, Inc ††
†† Wholly owned subsidiaries of Prosperity Holding Company. **
** Wholly owned subsidiaries of Prosperity Life Insurance Group, LLC ++
++ Wholly owned subsidiaries of Prosperity Group Holdings, LP

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