#1 market share leader at 17.4%

National Life Group

Financial Strength A+
IUL Experience 20 years
Policy Portfolio 3 products

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Founded

1848

Assets

$45 billion

AM Best

A+

Participating

Competitive market rates

Financial Strength Ratings

AM Best A+

S&P A+

Moody's A1

Product Benchmarks

Typical Cap Range

Min: Not publicly disclosed | Max: Not publicly disclosed | Current average: Competitive market rates

Participation Rates

Min: Not publicly disclosed | Max: Not publicly disclosed | Current average: Competitive market rates

Typical Fees

Coi range: Competitive | Admin fee: Standard market rates | Premium load: Standard market rates

About National Life Group

Market leader with 17.4% market share

Lifetime Income Benefit Rider with 10-year waiting period

Industry-leading chronic illness rider

175+ years operating history

Mutual structure aligns with policyholder interests

Company Profile

Headquarters

Montpelier, Vermont

Founded

1848

Years in IUL

20 years

Assets Under Management

$45 billion

Minimum Premium

$50,000 (FlexLife)

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks standard

Website

www.nationallife.com

Financial Ratings

AM Best A+

S&P A+

Moody's A1

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from National Life Group

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

FlexLife IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Sp500 annual: Not publicly disclosed | Varies by strategy: Competitive market rates

Floor Protection 0%%

Participation Varies: Not publicly disclosed

Minimum Premium $50,000

Issue Ages 0-85

Market leader with 17.4% market share
Lifetime Income Benefit Rider
Industry-leading chronic illness rider
Index options: S&P 500, Multiple volatility-controlled indices, Proprietary options

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IUL Policy

PeakLife IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: Competitive

Floor Protection 0%%

Participation Varies: Competitive

Minimum Premium $25,000 estimated

Issue Ages 0-85

Alternative to FlexLife
National Life Group backing
Index options: S&P 500, Multiple indices

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IUL Policy

SummitLife IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: Competitive

Floor Protection 0%%

Issue Ages 0-85

National Life Group product line
Index options: S&P 500, Multiple indices

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Personalized Planning

Map Out Your National Life Group Strategy

Partner with fiduciary-aligned specialists to benchmark National Life Group against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

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Response within one business day

Frequently Asked Questions

National Life Group currently offers 3 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

National Life Group maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

#1 market share leader at 17.4% | Lifetime Income Benefit Rider | Industry-leading chronic illness rider | Mutual holding company structure | Over 175 years in business