National Life Grp

National Life Group's roots reach back to the 1840s, when the National Life Insurance Company in Vermont was formed during the early expansion of American mutual life insurance.[1] Company histories describe the organization as founded in 1848, and the Vermont origin remains a defining part of its brand story.[1] From the start, the company positioned itself as a long-term policyholder institution-designed to survive banking panics, war, and economic downturns by pairing conservative investing with disciplined underwriting.[1]

Across the 20th century, National Life broadened distribution through agents and independent brokers and expanded product lines from traditional participating whole life into term and interest-sensitive designs as consumer demand shifted.[1] In recent decades, the group structure under "National Life Group" reflected the modern reality that carriers often operate multiple legal entities and distribution channels under a single brand umbrella.[2]

The company's strategic challenge has been the same one the whole industry faced: how to honor long-duration guarantees when interest rates and capital rules change. High inflation in the 1970s and prolonged low rates after 2008 both forced insurers to reprice and redesign products. National Life's opportunity has been to keep a mutual-style, policyholder-first narrative while operating with modern risk management-asset-liability matching, governance discipline, and selective reinsurance-so that promises remain durable across political and economic regimes.[1][2]

Sources: [1] https://www.nationallife.com/about-nlg/our-story ; [2] https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&event=companyProfile&naic=66680