MassMutual vs National Life Group
Comprehensive side-by-side comparison of indexed universal life insurance companies
MassMutual
Founded: 1851
Springfield, Massachusetts
Assets
$950 billion+ life protection in force
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Focuses on whole life products
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
Detailed Feature Comparison
| Feature | MassMutual | National Life Group |
|---|---|---|
| Founded | 1851 | 1848 |
| Headquarters | Springfield, Massachusetts | Montpelier, Vermont |
| Assets Under Management | $950 billion+ life protection in force | $45 billion |
| Years in IUL Business | 0+ years | 20+ years |
| Number of IUL Products | 0 | 3 |
| Typical Cap Rate Range | N/A - N/A | Not publicly disclosed - Not publicly disclosed |
| Participation Rates | N/A | Competitive market rates |
| Minimum Premium | N/A | $50,000 (FlexLife) |
| Issue Ages | N/A | 0-85 years |
| Underwriting Speed | N/A | 2-4 weeks standard |