National Life Group RetireMax Secure – Fixed Annuity with Flexibility and Predictable Growth
At Diversified Insurance Brokers, we help clients protect retirement savings with annuity strategies built around certainty, flexibility, and long-term financial confidence. The National Life Group RetireMax Secure Multi-Year Guarantee Annuity is designed for individuals who want predictable, fixed returns, full principal protection, and tax-deferred growth—without exposure to market volatility.
RetireMax Secure offers guaranteed fixed interest rates for 3- or 5-year terms, allowing your money to grow steadily over a defined period. Because growth is tax-deferred, your accumulation is not reduced by annual taxation, helping your savings compound more efficiently over time. This makes the annuity particularly attractive for conservative investors seeking stability and clarity in their retirement plan.
Liquidity is another key feature. The contract allows for penalty-free withdrawals of up to 10% annually, providing access to funds for unexpected needs while keeping the remainder of your strategy intact. This balance of protection and flexibility is a core reason many retirees use MYGAs as a foundation for retirement accumulation.
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The RetireMax Secure also includes withdrawal charge waivers for nursing home confinement and terminal illness—features designed to provide flexibility and peace of mind during serious health events. At the end of the guarantee period, you have clear choices: renew into a new guaranteed term, access your funds without surrender charges, or transition the accumulated value into a stream of guaranteed income.
A built-in death benefit ensures that your beneficiaries receive the full accumulated contract value, helping preserve your legacy. Backed by the long-standing financial strength of National Life Group, this annuity delivers confidence that your retirement savings are supported by a well-established insurer.
When you work with Diversified Insurance Brokers, you partner with experienced annuity advisors who compare products across the marketplace and help ensure your strategy aligns with your goals—not just one carrier’s offering.
🎯 Looking for a secure, predictable way to grow and protect your retirement savings? RetireMax Secure can be a strong fit for conservative investors who value guarantees, simplicity, and flexibility.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: National Life Group RetireMax Secure
What is RetireMax Secure?
RetireMax Secure is a multi-year guaranteed fixed annuity (MYGA) from National Life Group, offering a promised fixed interest rate over a 3- or 5-year guarantee period.
How does interest grow?
The annuity credits a fixed, guaranteed rate for the guarantee period. Interest compounds tax-deferred until you withdraw or convert the contract.
Is there a surrender period?
Yes — for the first 3 or 5 years (depending on selected guarantee period), early withdrawals beyond permitted amounts may incur surrender charges or adjustments if the contract includes a market value adjustment (MVA).
Are penalty-free withdrawals allowed?
Yes. Most RetireMax Secure contracts allow a penalty-free withdrawal of up to 10% of the accumulation value annually starting in the second contract year.
What is the Market Value Adjustment (MVA)?
Some versions include an MVA — a mechanism that adjusts the surrender value if you withdraw early. If interest rates have dropped since purchase, value may be higher; if rates have risen, value may be reduced. The MVA does not apply if you hold the contract to the full guarantee period and withdraw at maturity.
Can I use RetireMax Secure for retirement accounts (IRAs, 401(k) rollovers)?
Yes. RetireMax Secure accepts both qualified and non-qualified funds, making it flexible for retirement planning or other savings goals.
What happens when the guarantee period ends?
At maturity, you have several choices: withdraw the full value without surrender charges, renew into a new rate period, or convert into an income stream depending on your needs.
Is my principal protected?
Yes. The contract guarantees your principal and any credited interest, as long as you follow the contract’s withdrawal rules and hold through the guarantee period.
Are there fees or maintenance costs?
No. RetireMax Secure does not charge ongoing policy fees or hidden expenses. The only potential costs arise if you withdraw early.
Who is RetireMax Secure best suited for?
This annuity is ideal for savers seeking a safe, predictable accumulation vehicle — especially for those who want fixed guaranteed returns over a shorter-to-mid term and tax-deferred growth without market exposure.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
