National Life Group

National Life Group is a mutual holding company with a strong reputation in the indexed universal life market. Their IUL chassis is one of the more frequently illustrated products in the independent agent channel.

A defining feature of NLG products is the living-benefit rider set, which can accelerate the death benefit during the insured's life for qualifying chronic, critical, and terminal conditions. For families thinking about long-term care exposure, those riders meaningfully change the value proposition.

We model NLG illustrations against guaranteed assumptions, not just illustrated rates, so the conversation reflects the floor as well as the projection.