National Life Group Life Insurance
Protection. Growth. Lifetime Financial Security.
Life insurance is more than a policy — it’s a long-term strategy to protect your family, build financial stability, and create a legacy. National Life Group offers flexible life insurance solutions designed to meet the needs of individuals, families, and business owners.
About National Life Group
Founded in 1848, National Life Group is a financially strong life insurance company providing protection-focused solutions backed by long-term stability. Their products are designed to provide both death benefit protection and, in many cases, tax-advantaged cash value growth.
Types of Life Insurance Offered
National Life Group offers multiple policy options depending on your goals:
🔹 Term Life Insurance
Term life insurance provides coverage for a specific period (10, 15, 20, or 30 years).
Best For:
- Income replacement
- Mortgage protection
- Young families
- Budget-conscious protection
Key Benefits:
✔ Affordable monthly premiums
✔ Fixed coverage period
✔ Level death benefit
✔ Convertible to permanent coverage (in many cases)
🔹 Whole Life Insurance
Whole life insurance provides lifetime protection and builds guaranteed cash value over time.
Best For:
- Long-term estate planning
- Final expense coverage
- Permanent protection
- Wealth transfer strategies
Key Benefits:
✔ Lifetime coverage
✔ Guaranteed level premiums
✔ Cash value accumulation
✔ Tax-deferred growth
🔹 Indexed Universal Life (IUL)
Indexed Universal Life combines permanent life insurance protection with potential cash value growth tied to market index performance.
Best For:
- Retirement income strategies
- Tax-advantaged growth
- Business owners
- Legacy planning
Key Benefits:
✔ Flexible premium payments
✔ Adjustable death benefit
✔ Market-linked growth potential
✔ Downside protection features
✔ Tax-advantaged accumulation
Living Benefits & Riders
Many National Life policies offer optional riders that allow access to a portion of the death benefit if diagnosed with:
- Chronic illness
- Critical illness
- Terminal illness
- Critical Injury
This feature can provide financial relief during serious health events.
Terminal Illness
What qualifies?
Generally, if you have been diagnosed with a terminal illness that will result
in death within 24 months of certification of the illness by a physician.
Receiving your benefit
The benefit payment will be a lump sum. There is no waiting period or
annual benefit limit, but there is a lifetime limit on the amount of benefits
you can receive across all Accelerated Benefits Riders.
Chronic Illness
What qualifies?
A doctor has certified, within the past 12 months, that you are unable to
perform two out of six “activities of daily living” for a period of at least 90
consecutive days without assistance, or that you are cognitively impaired.
Activities of Daily Living
1. Bathing
2. Continence
3. Dressing
4. Eating
5. Toileting
6. Transferring
Receiving your benefit
Generally, the rider needs to be in force for a period of 30 days. There
is an annual limit on the amount of benefits you can receive. There is
also a lifetime limit on the amount of benefits you can receive across all
Accelerated Benefits Riders.
Critical Illness or Critical Injury
What qualifies?
Critical Illness includes:
•ALS (Lou Gehrig’s disease)
•Aorta Graft Surgery
•Aplastic Anemia
•Blindness
•Heart Valve Replacement
•Heart Attack
•End Stage Renal Failure
•Cystic Fibrosis
•Cancer
•Major Organ Transplant
•Motor Neuron Disease
•Stroke
•Sudden Cardiac Arrest
•Critical Injury includes:
•Coma
•Paralysis
•Severe Burns
•Traumatic Brain Injury
Receiving your benefit
The discounted benefit you receive for the critical illness or critical injury
rider takes into consideration four diff erent categories dependent on the
severity of the illness:
• Minor
• Moderate
• Severe
• Life Threatening
The highest payout will result from the Life Threatening category.
Generally, the rider needs to be in force for 30 days prior to diagnosis in order
to accelerate. There is no annual limit, but there is a lifetime limit on the
amount of benefi ts you can receive from all Accelerated Benefi ts Riders.
Any claim for benefi ts for a given Qualifying Event must be fi led within
365 days following the occurrence of such Qualifying Event.
Have additional questions?
We’re here to help.
Why Consider National Life Group?
✔ Long-standing financial strength
✔ Competitive life insurance solutions
✔ Flexible product design
✔ Living benefit options
✔ Strategies for protection and accumulation
Who Should Consider Life Insurance?
Life insurance may be appropriate for:
- Parents with dependent children
- Homeowners with mortgages
- Business owners
- Individuals planning for retirement
- Those seeking tax-advantaged financial growth
- Anyone wanting to protect their family’s future
How We Help You Choose the Right Plan
Choosing the right life insurance policy depends on:
- Your income
- Your financial goals
- Your family situation
- Your long-term strategy
We provide personalized consultations to help you:
✔ Determine the right coverage amount
✔ Compare term vs permanent options
✔ Structure policies for future growth
✔ Understand riders and living benefits
✔ Align coverage with retirement planning
Secure Your Family’s Financial Future
Life insurance is one of the most important financial decisions you can make. With National Life Group, you gain access to flexible solutions designed to protect your loved ones and build long-term financial security.
Request a Personalized Life Insurance Review
No pressure. No obligation. Just expert guidance tailored to your needs.
Have additional questions?
We’re here to help. Let’s talk.