National Life Group

Standing Out in a Sea of Sameness

National Life has long stood apart from other insurance companies, for reasons that go far beyond products.  We are a mission-driven and purposed-filled business. For us, the cause of what we do is as important as the products we sell. 

Learn Why

We have grown at National Life simply by digging deep to define our purpose and staying true to our roots and our corporate values.

Mehran Assadi
Chairman & CEO, National Life Group

"

We have grown at National Life simply by digging deep to define our purpose and staying true to our roots and our corporate values.

Mehran Assadi
Chairman & CEO, National Life Group

"

It begins and ends ​with one word – 

CAUSE

Driven By Our Values, Fueled by Our Passion

Our cause is a very simple one, directed at the people who live and work on America’s Main Streets: To Do Good in our communities and with the individual families we serve.

For more than 170 years1, we have aimed to keep our promises to provide families stability in good times and in bad. And throughout that history, the guarantees2 offered through our products have provided peace of mind to those families as they plan their futures.

Hear how one of our agents brings peace of mind to her community.

Through grants from our charitable foundation, paid time for our employees to volunteer, environmentally sustainable and healthy work sites, and fun, family-friendly events that promote the work of nonprofits in our own backyard we live our values ​of:

Do good. Be good. Make good.

9 out of 10

new hires say they chose National Life because of the culture, the ability to make a difference and the opportunity to contribute to a cause.

Our annual Do Good Fest, a free concert held on the Montpelier campus, has raised almost $200,000 over the past six years for Branches of Hope, a fund that provides financial support to cancer patients.

Our Strength

We believe our past has prepared us for a strong future. Our founders were innovators who created one of the first mutual life insurance companies in the country and the first with a national vision. Since 1848, we have been serving families and businesses across America. Our focus has always been on Main Street, not on Wall Street.

We have been here for over 170 years – through wars, pandemics and economic crises – and we will continue to adjust to the everchanging world. In a recent interview with Life Annuity Specialist, CEO, Mehran Assadi, spoke about how we continue to support the middle market with sound advice, offer our agents with innovation and “scrappiness,” and how we went from a physical company to a virtual company overnight.

We have been here for over 170 years – through wars, pandemics and economic crises – and we will continue to adjust to the everchanging world. In a recent interview with Life Annuity Specialist, CEO, Mehran Assadi, spoke about how we continue to support the middle market with sound advice, offer our agents with innovation and “scrappiness,” and how we went from a physical company to a virtual company overnight.

Our commitment to our customers is reflected in our balance sheet, our ranking as a top 10 life insurer3 and one of the fastest growing life insurance companies in America.4

Our commitment to our customers is reflected in our balance sheet and our ranking amongst our peers.

 

Business Highlights

Financials at a Glance

Financial Update June 2020

Enough about us,

Let's Talk About You

Expertise and Solutions for Your Continued Success

You strive every day to cultivate long-term, meaningful relationships with your clients, all with limited resources and unlimited competition. You need to partner with a company that allows you to be the entrepreneur but is committed to supporting your success

To ensure you run your business in a way that meets your needs, we have various affiliation options whether you are looking for a traditional career contract, an independent agent contract, or something in-between, we have the ability and experience to meet your needs.

We Support You

MARKETING

You’ve Got a Great Story to Tell

We keep you informed, we help you reach your clients, and we help you build your brand

From print materials, to websites, to social media, we create tools to help you promote your business and your value proposition. You have access to dedicated resources and vendors that can help you establish a digital presence and expand your brand.
 

COVID-19 Client Engagement Kit

Sleep Well Client Campaign

Term to Perm Conversion eKit

We keep you informed, we help you reach your clients, and we help you build your brand

From print materials, to websites, to social media, we create tools to help you promote your business and your value proposition. You have access to dedicated resources and vendors that can help you establish a digital presence and expand your brand.
 

COVID-19 Client Engagement Kit

Sleep Well Client Campaign

Term to Perm Conversion eKit

TRAINING & DEVELOPMENT

Continue to Grow

We support your training and development needs through in-person coaching, weekly sales ideas, live sales desk support, live pre-scheduled online trainings and innovative on-line resources. For producers, we hold on-site product and sales schools, as well as practice management conferences, to help you build and execute a customized sales and marketing strategy. This includes:

• Practice Management Conference for producers new to National Life

• The Edge Annual Summit for Life Insurance Leaders

 • Illustration and Case Design School

Women’s Inclusion Network

The Women’s Inclusion Network (WIN) is a community dedicated to attracting and supporting financial professionals. WIN creates dialogue around timely topics, provides development opportunities and a network of female producers who understand what it takes to be successful in financial services.

Innovative Solutions
for Today’s Customers

PRODUCTS & SOLUTIONS

Living Benefits is Just the Beginning

We offer a full portfolio of products to deliver client solutions:

We look beyond the product to solutions, serving the needs of individuals, families, professionals and business owners.

Our various financial services companies offer a full portfolio of life, annuity, and investment products to help meet a variety of needs for individuals, families, professionals, and business owners. We have a long history of offering life insurance products that provide living benefits.

Today, we continue the tradition. We offer simple solutions for life, whether your clients Die Too Soon, Become Ill, or Live Too Long. With our living benefits,5 we provide life insurance your clients don’t have to die to use. Additionally, the Lifetime Income Benefit Rider (LIBR)6 is an optional rider that can be added to select insurance policies, which has the potential to provide a guaranteed source of income for life, if properly funded.

#1

provider of Fixed Indexed Annuities in Employer Sponsored Plans7

#2

in Indexed Universal Life Sales3

#9

in Life Companies3

Competitive Life Insurance Products and Solutions

Our various financial services companies offer a full portfolio of life, annuity, and investment products to help meet a variety of needs for individuals, families, professionals, and business owners.

We have a long history of offering life insurance products that provide living benefits. Today, we continue the tradition. With our living benefits, we provide life insurance your clients don’t have to die to use.  We offer simple solutions for life, whether your clients Die Too Soon, Become Ill or Live Too Long.

Accelerated Benefits Riders are optional, no-additional cost riders that can allow a client to access all or part of the death benefit, while living, if the client experiences a qualifying terminal, chronic, or critical illness, or critical injury. Additionally, the Lifetime Income Benefit Rider (LIBR) is an optional rider that can be added to select insurance policies, which has the potential to provide a guaranteed source of income for life, if properly funded.3

Indexed Universal Life

FlexLife and PeakLife IUL Policies offer:

Permanent death benefit protection with flexible coverage and premiums

Upside cash value accumulation potential, with downside protection

Living benefits to provide your clients resources in the event of a qualifying terminal illness, chronic illness, critical illness or critical injury

Potential for guaranteed income for life through LIBR

Our IUL policies offer various index crediting options depending on your client’s market outlook and risk tolerance.


Hang Seng Index Cap Focus Strategy
 

Annual Point-to-Point S&P 500 Index, Cap Focus and Participation Focus Strategies


Credit Suisse Balanced Trend
 

Annual Point-to_point S&P 500 Indes, 1% Floor Strategy


Fixed-Term Strategy
 

Whole Life

TotalSecure whole life policy offers:

The most flexible whole life policy in the marketplace.

Guaranteed cash value accumulation with strong death benefit.

Living benefits to provide your clients resources in the event of a qualifying terminal illness, chronic illness, critical illness or critical injury.

FIXED UNIVERSAL LIFE

Affordable permanent life insurance protection

Cash accumulation growth without market exposure

Living benefits to help pay expenses for qualifying terminal illness, chronic and critical illness or critical injury

TERM LIFE

Our 10, 15, 20 and 30-Year term products offer:

Affordable death benefit protection

Living benefits to provide your clients resources in the event of a qualifying terminal illness, chronic illness, critical illness or critical injury.

Ability to convert to permanent insurance without additional underwriting.

LARGE CASE PRODUCTS

Our PeakLife Indexed Universal Life Policy offers all of the benefits of our FlexLife policy,  but is tailored to large premium cases.  PeakLife also offers a built-in, no cost enhancer bonus option, and two additional enhanced bonus options for your more aggressive clients, for an additional cost.

Enhancer

Enhancer Plus

Enhancer Max

FIXED INDEXED ANNUITIES


We are the Longest-standing issuer of indexed annuities in the marketplace

On the guaranteed retirement income front, you have access to an array of single and flexible premium annuities to meet your client’s specific short-term and long-term accumulation and income goals. These annuities feature several interest crediting strategies to fuel their annuity growth.

Competitive Life Insurance Products and Solutions

Our various financial services companies offer a full portfolio of life, annuity, and investment products to help meet a variety of needs for individuals, families, professionals, and business owners.

We have a long history of offering life insurance products that provide living benefits. Today, we continue the tradition. With our living benefits, we provide life insurance your clients don’t have to die to use.  We offer simple solutions for life, whether your clients Die Too Soon, Become Ill or Live Too Long.

Accelerated Benefits Riders are optional, no-additional cost riders that can allow a client to access all or part of the death benefit, while living, if the client experiences a qualifying terminal, chronic, or critical illness, or critical injury. Additionally, the Lifetime Income Benefit Rider (LIBR) is an optional rider that can be added to select insurance policies, which has the potential to provide a guaranteed source of income for life, if properly funded.3

Business Tools

We Make Doing Business with Us Easy

National Life continuously assesses our business processes to see if they meet the ever-changing global environment and to ensure you can deliver protection to your clients, even in a time of social distancing. 

Within weeks of the COVID-19 pandemic, National Life implemented a straight-through electronic process for new business: from eApp to EZ Underwriting to eDelivery on qualifying cases. To ensure our partners are always up to date with changing regulations, processes and products, we create tools such as our COVID-19 Rapid Response Center to keep you on top of it.

COVID-19 Rapid Response Center

We Make Doing Business with Us Easy

National Life continuously assesses our business processes to see if they meet the ever-changing global environment and to ensure you can deliver protection to your clients, even in a time of social distancing. 

Within weeks of the COVID-19 pandemic, National Life implemented a straight-through electronic process for new business: from eApp to EZ Underwriting to eDelivery on qualifying cases. To ensure our partners are always up to date with changing regulations, processes and products, we create tools such as our COVID-19 Rapid Response Center to keep you on top of it.

Agent Mobile App

We understand what your day looks like, and how important it is to get the information you need, when you need it. Access client information anytime, anywhere, get notified as business processes and run illustrations – all from your mobile device.

Client Mobile App

With our customer portal your clients can:

...and more

  • Access policy details and keep an eye on account balances
  • Make policy payments and pay off loans
  • Set up and manage auto payments
  • Sign up for account alerts
Agent Mobile App

We understand what your day looks like, and how important it is to get the information you need, when you need it. Access client information anytime, anywhere, get notified as business processes and run illustrations – all from your mobile device.

Client Mobile App

With our customer portal your clients can:

...and more

  • Access policy details and keep an eye on account balances
  • Make policy payments and pay off loans
  • Set up and manage auto payments
  • Sign up for account alerts

ADVANCED MARKETS & CPA ADVANTAGE

Access to Top Resources

Where can our Advanced Markets team help your practice?

Here are some strategies we can help you and your clients understand:

  • Premium Financed life insurance
  • Qualified Plans
  • Corporate Split Dollar strategies
  • Foreign National planning
  • MultiLife/Guaranteed Issue/Simplified Issue Program
  • Executive Benefit Plans
  • Trust and Estate Planning Assistance
  • Business Continuation

Our Advanced Markets team specializes in working with high net worth individuals, business owners and their families, foreign nationals, along with charitable and nonprofit organizations at no cost to you.

We can provide your team with:

  • Direct access to our in-house team for case consultation and point-of-sale support
  • Simplified sales concepts
  • Case design and presentation
  • Consultation with strategic advisors including CPAs and Attorneys
  • Ongoing education and training programs encompass:
    • client materials
    • agent training
    • technical guides
    • interactive sales tools, such as our Qualified Plan Decision Tree, Executive Benefits Selector, Buy-Sell Stress Test, and Key Person Calculator

Our CPA Advantage Program is designed to help agents market themselves to Certified Public Accountants (CPAs) and to cultivate relationships that will lead to referrals and sales through partnership opportunities over time.

As the market changes, we continue to have a fresh perspective that keeps looking to the future and evolving to meet the needs of CPAs by:

  • Forging new relationships
  • Reaching new prospects
  • Expanding your practice
  • Identifying new sources of revenue
  • Helping your clients reach their goals

Our CPA Advantage Program is designed to help agents market themselves to Certified Public Accountants (CPAs) and to cultivate relationships that will lead to referrals and sales through partnership opportunities over time.

As the market changes, we continue to have a fresh perspective that keeps looking to the future and evolving to meet the needs of CPAs by:

  • Forging new relationships
  • Reaching new prospects
  • Expanding your practice
  • Identifying new sources of revenue
  • Helping your clients reach their goals

Going Further

Our mission extends well beyond insurance and annuities to our CAUSE — making the world a better place.

Through grants from our charitable foundation, paid time for our employees to volunteer, environmentally sustainable and healthy work sites, and fun, family-friendly events that promote the work of nonprofits in our own backyard we live our values ​of: Do good. Be good. Make good.

LifeChanger of the Year
Agent Do Good Award

Based on our annual campaign, Main Streets Across America, Main Street Grants awards communities across the country with vibrant downtowns. Each community is deeply rooted in history while having a dynamic vision towards the future. 

Based on our annual campaign, Main Streets Across America, Main Street Grants awards communities across the country with vibrant downtowns. Each community is deeply rooted in history while having a dynamic vision towards the future. 

LifeChanger of the Year
Agent Do Good Award

An annual program funded and run by National Life and its Foundation recognizes and rewards K-12 educators and school employees from around the country. Each year, LifeChanger of the Year awards 16 educators and their schools with cash prizes, including a $10,000 Grand Prize.

Is an annual program funded and run by National Life and its Foundation, recognizing and rewarding K-12 educators and school employees from around the country. Each year, LifeChanger of the Year awards 17 educators and their schools with cash prizes. The Grand Prize is $10,000.

LifeChanger of the Year
Agent Do Good Award
The Agent Do Good Award recognizes an agent who is passionate about a cause and who has been making a difference in his or her community by Doing Good.

Read about one of last year's winners here.

The Agent Do Good Award recognizes an agent who is passionate about a cause and who has been making a difference in his or her community by Doing Good.

Read about one of last year's winners here.

The Time is Right

To Do More

The time is right to work in the financial services industry. Together we have the power to help families, individuals and small business owners obtain the protection they need, the retirement they deserve, and a life with passion and purpose.

If you’re looking for something more – you’ll find it here at National Life.