What we use them for
Through Family First Life, we have access to National Life Group’s life and annuity product lines. From an agent’s perspective, they tend to be a strong fit when:
- Indexed universal life is the conversation. National Life is one of the more recognized names in the IUL category among independent producers, and we routinely run their illustrations alongside other IUL carriers in the side-by-side.
- Living-benefit riders matter to the buyer. National Life has been a long-running participant in the living-benefits conversation (chronic, critical, and terminal-illness acceleration features that vary by product and state). We pull current product specs on the call rather than quote rider details from a brochure.
- The buyer wants a mutual company with deep history. National Life Insurance Company has operated since 1848, and the mutual structure means policyholders, not outside shareholders, are the constituency. Some buyers care about that lineage.
A note on financial strength
National Life Insurance Company and Life Insurance Company of the Southwest each hold financial-strength ratings from AM Best, S&P, and other agencies. Pull current values from AM Best or National Life Group’s own corporate disclosures before citing any specific rating on a call — ratings change quarterly.
When to consider another carrier
If the goal is annuity-first scale (rollovers, pension-style income), Athene, Corebridge, or Global Atlantic are usually the comparison set. If the goal is a recognizable retail brand for final-expense, Mutual of Omaha is often the smoother opener. National Life tends to be the answer when the conversation is IUL-led or when living-benefit riders are central to the case.
Get a quote
Want to see what National Life looks like for your situation? We pull current illustrations on the call. The form below pre-fills your interest as National Life — we’ll come back with side-by-side options.