National Life Group vs Pacific Life
Comprehensive side-by-side comparison of indexed universal life insurance companies
National Life Group
Founded: 1848
Montpelier, Vermont
Assets
$45 billion
IUL Experience
20+ years
Products
3
Avg Cap Rate
Competitive market rates
Key Strengths
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
Pacific Life
Founded: 1868
Newport Beach, California
Assets
$239 billion
IUL Experience
20+ years
Products
12
Avg Cap Rate
8.50%
Key Strengths
Second largest by market share with 38% YoY growth
Fortune 500 company (#282)
$1.5 trillion life insurance in force
8 consecutive years World's Most Ethical Companies
Innovation leader in IUL space
Detailed Feature Comparison
| Feature | National Life Group | Pacific Life |
|---|---|---|
| Founded | 1848 | 1868 |
| Headquarters | Montpelier, Vermont | Newport Beach, California |
| Assets Under Management | $45 billion | $239 billion |
| Years in IUL Business | 20+ years | 20+ years |
| Number of IUL Products | 3 | 12 |
| Typical Cap Rate Range | Not publicly disclosed - Not publicly disclosed | 7.50% - 9.00% |
| Participation Rates | Competitive market rates | 125% |
| Minimum Premium | $50,000 (FlexLife) | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard | 2-4 weeks standard, 48 hours accelerated available |
National Life Group IUL Policies
Pacific Life IUL Policies
Pacific Discovery Xcelerator IUL 2
Cap Rate: 7.50% with uncapped 10.00% threshold option
Floor: 0%
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