National Life Group vs American National Insurance Company
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
American National Insurance Company
Founded: 1905
Galveston, Texas
Assets
$30 billion
IUL Experience
15+ years
Products
1
Avg Cap Rate
9.5%
Key Strengths
120+ year history
Newsweek: 'America's Most Trustworthy Companies'
Forbes: 'America's Best Insurance Companies'
82 consecutive years financial strength recognition
Operates in all 50 states
Detailed Feature Comparison
| Feature | National Life Group | American National Insurance Company |
|---|---|---|
| Founded | 1848 | 1905 |
| Headquarters | Montpelier, Vermont | Galveston, Texas |
| Assets Under Management | $45 billion | $30 billion |
| Years in IUL Business | 20+ years | 15+ years |
| Number of IUL Products | 3 | 1 |
| Typical Cap Rate Range | Not publicly disclosed - Not publicly disclosed | 8% - 11% |
| Participation Rates | Competitive market rates | 110% |
| Minimum Premium | $50,000 (FlexLife) | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard | 3-4 weeks standard |