National Life Group vs COUNTRY Financial
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
COUNTRY Financial
Founded: 1925
Bloomington, Illinois
Assets
$12 billion
IUL Experience
5+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Offers IUL products
COUNTRY Financial Indexed Universal Life with 100% participation rate, 0% floor
Forbes #1 life insurance provider ranking (2024)
Detailed Feature Comparison
| Feature | National Life Group | COUNTRY Financial |
|---|---|---|
| Founded | 1848 | 1925 |
| Headquarters | Montpelier, Vermont | Bloomington, Illinois |
| Assets Under Management | $45 billion | $12 billion |
| Years in IUL Business | 20+ years | 5+ years |
| Number of IUL Products | 3 | 1 |
| Typical Cap Rate Range | Not publicly disclosed - Not publicly disclosed | 8% - 10% |
| Participation Rates | Competitive market rates | 100% |
| 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 |