SUMMARY ANNUAL REPORT FOR
National Life Group Life Insurance Plan For Employees

	This is a summary of the annual report of the National Life Group Life Insurance Plan For Employees, a life insurance plan (Employer Identification Number 03-0144090, Plan Number 505), for the plan year 01/01/2019 through 12/31/2019. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Insurance Information

	The plan has an insurance contract with National Life Insurance Company to pay certain Life insurance claims incurred under the terms of the plan.  The total premiums paid for the plan year ending 12/31/2019 were $1,142,075.

	Because it is a so called "experience-rated" contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending 12/31/2019, the premiums paid under such "experience-rated" contract were $866,367 and the total of all benefit claims paid under the experience-rated contract during the plan year was $738,315.

Your Rights to Additional Information

	You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:

1.	Insurance information, including sales commissions paid by insurance carriers.

	To obtain a copy of the full annual report, or any part thereof, write or call the office of Michele Granitz, who is a representative of the plan administrator, at One National Life Drive, Montpelier, VT 05604 and phone number, 802-229-7161.

	You also have the legally protected right to examine the annual report at the main office of the plan: One National Life Drive, Montpelier, VT 05604, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

Paperwork Reduction Act Statement

	According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512.

	The public reporting burden for this collection of information is estimated to average less than one minute per notice (approximately 3 hours and 11 minutes per plan). Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Office of the Chief Information Officer, Attention: Departmental Clearance Officer, 200 Constitution Avenue, N.W., Room N-1301, Washington, DC 20210 or email DOL_PRA_PUBLIC@dol.gov and reference the OMB Control Number 1210-0040.

	OMB Control Number 1210-0040 (expires 06/30/2022)