Business Details
Trusted Life Insurance and Annuities Solutions
National Life Group has dedicated over 175 years to delivering on its promises to millions, providing peace of mind in times of need. As a mission-driven organization, we prioritize the values of doing good, being good, and making good, focusing on the stability and futures of families across America's Main Streets. Our commitment extends beyond financial products, encompassing community support through charitable grants, employee volunteerism, and sustainable practices. We offer innovative financial solutions, including life insurance and annuities, designed to meet long-term needs while maintaining the integrity of our founding principles.With a history dating back to 1848, we have consistently paid dividends on participating life insurance policies since 1855, demonstrating unwavering financial strength through economic cycles. Our independent spirit and customer-centric approach ensure that every individual's needs are met with trust and professionalism.
Services
Life Insurance
Annuities
Mutual Funds
Retirement Plans
Living Benefits
Highlights and features
- We have over 175 years of experience in life insurance and financial solutions.
- Our mission-driven approach prioritizes community impact alongside financial services.
- We maintain financial stability demonstrated through consistent dividend payments since 1855.
- Our customer-centric model ensures personalized financial planning and support.
- We implement sustainable practices and support local nonprofits through grants.
Services
Life Insurance
Life insurance provides financial protection for beneficiaries upon the policyholder's death. We offer term and permanent policies, including whole life, universal life, and indexed universal life options. Our products ensure death benefit coverage while offering cash value accumulation opportunities through dividends or market-linked growth strategies.
Annuities
Annuities offer tax-deferred savings and income solutions for retirement. We provide fixed, indexed, and variable annuities with flexible premium options. These products help convert assets into guaranteed income streams while offering growth potential through market-linked or fixed interest rate mechanisms.
Mutual Funds
Mutual funds pool investor money to purchase diversified portfolios of stocks, bonds, or other securities. We offer various fund types including equity, fixed-income, index, and money market funds. These options provide professional management and diversification across different risk profiles and investment objectives.
Retirement Plans
Retirement plans help individuals save for their post-work years with tax advantages. We specialize in 403(b) and 457(b) plans for educators and nonprofit employees. Our solutions include tax-deferred growth opportunities and flexible contribution options to supplement pension benefits.
Living Benefits
Living benefits allow policyholders to access death benefits during terminal illness. We offer these provisions through optional riders on life insurance policies. This feature provides financial flexibility for medical expenses or quality-of-life improvements while maintaining partial death benefit protection.
Questions
Do I need life insurance if I'm single?
Consider life insurance if you have dependents, debts, or want to cover final expenses. Buying early ensures better rates.
Can I use life insurance cash value for home purchases?
Yes, through loans or withdrawals, which may affect death benefits and policy values.
How do annuities affect college financial aid?
Annuity values aren't reported on FAFSA but may impact CSS Profile assessments.
Can minors be named as beneficiaries?
Not recommended directly; establish a trust or name a guardian to manage proceeds.
Are annuity income payments taxable?
Yes, earnings are taxed as ordinary income; principal withdrawals are tax-free.
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