National Life Life Insurance Review 2026

National Life offers both term and permanent life insurance policies with different coverage structures. It has high coverage caps of over $10 million for some policies, making it a good fit for those with large insurance needs. The company also offers simplified issue policies, referred to as EZ Underwriting, that don't require medical exams for eligible applications up to age 65.

National Life doesn't offer final expense insurance. Consider other top final expense insurance companies if you're looking for small coverage only for end-of-life expenses.

National Life issues many different policy types, including term and permanent life insurance plans. Its EZ Underwriting program, which simplifies the underwriting process, is available for term and permanent policies.

Life insurance policies don't have deductibles like other insurance types. You pay premiums for guaranteed death benefit coverage.

Life insurance riders are extra benefits that you can include on your policy if you're looking for more protection, usually at an additional cost. National Life offers Living Benefits in the form of Accelerated Benefits riders, which enable you to access a portion of the death benefit early if you're diagnosed with a qualifying terminal, critical or chronic illness.

Contact National Life or a licensed agent to confirm riders available for you. Rider availability varies by state and product type.

Your life insurance premium depends on age, health, coverage amount and policy type. Insurers assess your medical history, lifestyle habits and family health background through underwriting. Younger applicants in good health pay less than older applicants or those with health conditions. Term life costs less than permanent coverage because it only lasts a set period.

National Life's rates vary based on underwriting class, which reflects your risk level. The table below shows term life policy rates for people with average health and weight. These are estimates for comparison purposes and don't reflect actual premiums, which require a personalized quote from National Life.

Life insurance rates and availability vary by state, age, health and other factors. Rates shown are estimates based on our survey of publicly available data from insurance companies and may not reflect your actual premium, which depends on your specific circumstances and underwriting.

Life insurance beneficiaries file a death claim with National Life by phone, mail or through the online form at https://www.nationallife.com/Contact/Claims/Death-Claim. You'll need the death certificate, policy number and beneficiary identification. The insurer reviews submitted documentation and contacts beneficiaries if additional information is needed.

Beneficiaries can choose to receive the death benefit as a lump sum, installment payments or through an interest-bearing account. For questions about the claims process, contact National Life at https://www.nationallife.com/Contact-Claims or call 1-800-732-8939.

National Life offers term and permanent life insurance with high coverage limits that exceed $10 million for some policies. Its EZ Underwriting program allows eligible applicants under 65 to qualify for up to $3 million in coverage without a medical exam, which speeds up the application process.

The company doesn't have an online quote tool and requires all applications through licensed agents. While this provides personalized guidance, it limits your ability to quickly compare rates independently.

National Life's participating whole life policies pay annual dividends to eligible policyholders, adding potential value beyond the guaranteed cash value growth. Consider National Life if you need high coverage amounts or prefer working directly with an agent throughout the buying process.

We analyzed National Life's pricing across different ages, health profiles and coverage amounts to show you exactly where costs spike and where they stay reasonable.

What We Evaluated

For this National life insurance review, we gathered quotes for three rating factors that matter most when comparing term life policies:

Affordability (55%)

Customer Experience (30%)

Coverage Options (15%)

Sample Profile Testing

We started with a baseline: 40-year-old male nonsmoker, 5'9", 160 pounds, average health rating. Then we adjusted each variable one at a time, by age, gender, height, weight, tobacco use and health status, to see how National prices policies as circumstances change.