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For Agent Use Only — This document has not been approved under the advertising laws of your state for dissemination to individual purchasers. The NWL® ChoiceOptimizer (form ICC20 01-1190-20 and state variations) is issued by National Western Life Insurance Company®, Austin, Texas. Subject to certain conditions. Products and product features not approved in all states. Certain limitations and exclusions may apply. See policy for complete details.