Our NScore series of individual variable annuities includes four smart solutions designed to meet your wealth-building and income needs for retirement.

NScore Premier, NScore Lite, NScore Value and NScore Xtra feature purchase payment flexibility, access to money and a variety of retirement income options upon annuitization. NScore Xtra puts a contemporary spin on variable annuities by paying a 4 percent extra credit on new purchase payments to the annuity contract continuing for the life of the annuity. (Bonus or extra credit products may have higher surrender charges and longer surrender periods than non-bonus products and may be recaptured in certain situations. Please read the prospectus for more information.)

What really makes our NScore annuities stand out in the marketplace are the innovative riders that can be added to your annuity contract at an additional charge. National Security's optional living and death benefit riders can help protect your principal, guarantee immediate access to your money, and increase the death benefit to the contract value, if the contract value is higher, on each contract anniversary.

Investment Options

All of our variable annuity products offer more than 60 portfolio options from a wide variety of experienced, well-respected and highly regarded investment advisers. In addition, five dynamic asset allocation models are available from Wilshire Associates.*

Guarantees are based upon the claims-paying ability of National Security Life and Annuity Company. Guarantees do not apply to the investment performance or account value of the underlying variable portfolios.

Variable annuities are sold by product and fund prospectuses, which contain more complete information including investment objectives, strategies, risk factors, fees, contingent deferred sales charges and other costs that may apply. Please read the prospectuses carefully before investing or sending money Investors should consider the investment objectives, strategies, risk factors and charges and expenses of the underlying variable portfolios carefully before investing. The fund prospectus contains this andother information about the underlying variable portfolios. Variable annuities are not deposits of any depository institution, are not guaranteed by the FDIC or any other government agency and are subject to investment risk, including possible loss of principal investment. Past performance is no guarantee of future results.

Variable annuities are long-term investment vehicles that accumulate money on a tax-deferred basis for retirement purposes. Upon retirement, variable annuities pay out an income stream in a series of payments or a lump sum. If you die during the payout phase, your beneficiary may be eligible to receive any remaining annuity payouts.

Early withdrawals or surrenders may be subject to surrender charges (contingent deferred sales charges). Withdrawals are also subject to ordinary income tax and, if taken prior to age 59½, a 10 percent federal tax penalty may apply. Withdrawals may reduce the death benefit, cash surrender value and any living benefit amount.

There is no additional tax-deferral benefit for contracts purchased in an Individual Retirement Account (IRA) or other tax-qualified plan because these are already afforded tax-deferred status. An annuity should only be purchased in an IRA or qualified plan if you are willing to incur any additional costs associated with the annuity.

*©2007 Wilshire Associates, Inc. All rights reserved

NScore Premier is issued as Forms NS-02-VA-07.2 and NS-02-VA-07.2U in New York.
NScore Lite is issued as Forms NS-02-VA-07.1 and NS-02-VA-07.1U in New York.
NScore Value is issued as Forms Form NS-02-VA-07.3 and NS-02-VA-07.3U in New York.
NScore Xtra is issued as Forms NS-02-VA-07.5 and NS-02-VA-07.5U in New York.

Products are only available in New York.