National Life Group's living benefits riders transform a standard life policy into a financial safety net your clients can actually use. Through The Life GA, you get contracted, trained, and equipped to have a completely different conversation with every client you sit in front of.
✦ Living benefits on term and IUL products
✦ Critical, chronic & terminal illness riders
✦ 170+ year track record of financial strength
✦ No additional premium for living benefits riders
The Products
NLG gives you a product for the client who wants protection and the client who wants to build wealth — both with living benefits built in.
Term with Living Benefits
NLG's term products include living benefits riders that allow clients to access a portion of their death benefit if diagnosed with a critical, chronic, or terminal illness — at no additional premium on most products. It's the easiest upgrade you'll ever make to a term sale.
IUL with Living Benefits
NLG's Indexed Universal Life products combine tax-advantaged growth tied to market index performance with the same living benefits protection — giving clients a vehicle for retirement income, college funding, and legacy planning that also protects them from life's biggest health events.
Why National Life Group
NLG combines the financial strength and product depth of a legacy carrier with living benefits innovation that gives agents a genuine competitive edge in the market.
Living benefits give you something most agents don't have — a reason for a client to choose your policy over a competitor's. It's not just about the death benefit anymore.
NLG has been keeping promises for over 170 years. When you present NLG to a client, you're presenting a carrier with the track record to back it up.
From a 30-year-old looking for affordable protection to a 50-year-old building retirement income — NLG's shelf covers the full spectrum of client need.
NLG invests heavily in agent development — illustration tools, case support, and marketing resources that make you look like the expert in the room.
What We Provide
Living benefits is a different sale. We train you to tell the story compellingly — and give you the tools to back it up.
Done-for-you marketing targeting clients who need more than just a death benefit — and agents ready to deliver it.
Frictionless NLG appointments. We handle the paperwork so you're writing business, not chasing forms.
How to explain living benefits simply. How to position IUL without overcomplicating it. Scripts that actually work.
Co-branded assets and social content built around the living benefits story — ready to deploy immediately.
Complex IUL cases need experienced eyes. We're in your corner on illustration reviews and case design.
Build NLG into a cornerstone of your business — whether you're adding it to an existing book or going all-in.
Compensation
Competitive comp on every NLG product — with overrides available for agency owners.
Independent agents writing NLG through The Life GA receive top street-level commissions on term and IUL products. Competitive payouts that reward production from your very first policy.
Agency owners earn override compensation above street level on every NLG policy their producers write. Scalable, passive income that grows as your team's production grows.
Exact comp details shared on your onboarding call. Schedule yours →
Get Contracted
Whether you're an agency owner looking to unlock overrides or an agent ready to differentiate your practice — the next step is a 30-minute call. We'll cover NLG's products, comp, and what to expect in your first 30 days.
Schedule a 30-Min Call