National Life’s new variable universal life product is a market-sensitive contract which provided flexibility of death benefit and premiums, combined with tax-deferred growth of cash values to the market performance of the sub-accounts. New riders available include Other Insured Rider, Balance Sheet Benefit Rider and Waiver of Specified Premium, complementing accelerated benefit riders (in case of chronic or terminal illness). National Life also provides access to a professional asset allocation for the majority of its variable products, at no cost to policyholders.