National Life Group Zenith Income 10 Fixed Indexed Annuity – Income Growth with Protection and Flexibility
At Diversified Insurance Brokers, we specialize in helping clients compare annuity products from over 75 top-rated carriers. When it comes to balancing guaranteed income with long-term growth potential, the Zenith Income 10 Fixed Indexed Annuity from National Life Group is a compelling option.
This product is built for individuals seeking predictable, lifelong income while maintaining the ability to grow their account based on index performance—without the risk of losing principal due to market downturns.
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What Makes the Zenith Income 10 Unique
The Zenith Income 10 is designed with a built-in Guaranteed Lifetime Income Rider (GLIR), offering clients a choice between two rider options: the Max Bonus GLIR and the Split Bonus GLIR. These riders enhance the contract’s income value and payout structure based on how and when income is taken.
The Max Bonus version offers a larger upfront boost to the income base, ideal for clients planning to defer income. The Split Bonus approach gives a more balanced enhancement between the accumulation value and income base, offering additional flexibility in retirement planning.
The annuity also includes multiple index crediting strategies, which allow your money to grow based on the performance of select market indices. At the same time, your principal is fully protected from losses due to market declines—so you benefit from upside potential without downside risk.
Other notable features include:
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10% penalty-free withdrawals after year one
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Waivers for nursing home confinement and terminal illness
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Death benefit protection, ensuring your legacy is preserved
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Available to clients up to age 80 at issue
Why Choose Diversified Insurance Brokers?
At Diversified Insurance Brokers, we understand the nuances of income-based annuity planning. Our team will help you evaluate which rider option fits your goals, how to structure withdrawals, and how the Zenith Income 10 compares to other top income annuities. We don’t push one-size-fits-all solutions—our job is to make sure the annuity you choose matches your specific retirement goals.
Whether you’re planning to turn on income immediately or years down the road, our advisors can walk you through how this annuity works—and whether it fits into your overall retirement plan.
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 Zenith Income
What is the National Life Group Zenith Income annuity?
The Zenith Income annuity is a fixed indexed annuity designed to provide both growth potential and guaranteed lifetime income through an optional income rider. It blends index-linked accumulation with predictable retirement income features.
How does Zenith Income earn interest?
Interest is credited based on the performance of selected external indices using caps, participation rates, or spreads. Even when the index performs poorly, your principal is protected from market losses.
What makes the Zenith Income rider unique?
The income rider—available for an additional cost—typically credits a guaranteed roll-up rate to the income benefit base, helping increase future lifetime income regardless of actual index performance.
Does the annuity offer liquidity?
Yes. Zenith Income generally allows penalty-free withdrawals up to a certain percentage of the account value each year once the contract is past its first anniversary. Excess withdrawals may reduce future income benefits.
Is principal protected in market downturns?
Yes. As a fixed indexed annuity, your account value will not decline due to negative index performance. Credited interest may vary, but your principal remains protected.
Can I receive lifetime income from this annuity?
Yes. When activated, the income rider provides guaranteed lifetime withdrawals for one or two lives, offering predictable retirement income even if the account value falls to zero.
What is the surrender charge period?
The Zenith Income annuity includes a multiyear surrender charge schedule. Withdrawals exceeding the penalty-free allowance during this period may trigger surrender charges and potentially a market value adjustment.
Who is the Zenith Income annuity best suited for?
This annuity is often a fit for individuals seeking protected growth and structured lifetime income, particularly those planning for long-term retirement income needs with downside protection.
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.
