National Life Group
Founded in 1848 and headquartered in Montpelier, Vermont, National Life Group is one of the oldest mutual insurance structures in the United States. Because it operates effectively as a mutual holding company, it is fundamentally beholden to its policyholders rather than Wall Street shareholders.
Financial Strength Ratings
National Life Group holds exceptionally strong ratings across the board, reflecting excellent long-term claims-paying ability
A.M. Best
A+ Superior
The second-highest of 16 possible ratings
Standard & Poor’s (S&P)
A+ Strong
Reflects robust market presence and strong capital reserves
Moody’s
A1 Good
Indicates consistent profitability and low credit risk
LIVING BENEFITS
Benefits While You’re Still Living
Qualifying critical injury diagnosis
Covers severe injuries such as traumatic brain injury, major burns, paralysis, or coma. Provides funds when you need them most — without waiting for a lengthy claims process.
Qualifying critical injury diagnosis
Covers severe injuries such as traumatic brain injury, major burns, paralysis, or coma. Provides funds when you need them most — without waiting for a lengthy claims process.
Unable to perform 2+ activities of daily living
If you’re unable to perform two or more activities of daily living (bathing, dressing, eating, toileting, transferring, continence), you can access benefits to help pay for long-term care — at home or in a facility.
Qualifying critical injury diagnosis
Covers severe injuries such as traumatic brain injury, major burns, paralysis, or coma. Provides funds when you need them most — without waiting for a lengthy claims process.
Qualifying Alzheimer’s or Lewy Body Dementia diagnosis
Specifically covers Alzheimer’s Disease and Lewy Body Dementia diagnoses. Benefits can help families afford specialized memory care and maintain quality of life.
All riders included at no additional cost. Premium Chronic Care Rider available at additional cost.
Living Life Defender
The only Indexed Universal Life Insurance with Living Benefits you can access during your lifetime — exclusively through PFA.