National Life Group Reviews 

I was sold an iul from a couple of immoral dishonest agents that did not disclosed important critical information that cost myself a lot of money. The agents even agreed that they did not disclosed information that sounds have been and mislead me I have proof of that evadance with theses conversation. When I direct this to national life group compliance department about this with the evidence sent in they would not take action on it and address the situation with these bad dishonest criminal agents. National Life Group does not care does not hold bad agents accountable. I have contact national life group multiple times and put in compliants but national life group does not care or give you a fallow up on their response after requesting a fallow up. This company is a complete horrible disgusting immoral criminal of a company. These worthless people should be ashamed of their self and should be in prison. There needs to be change about this criminal activity. These sick immoral insurance company get away with murder there are complete criminals.

I purchased term life insurance policies from National Life Group (NLG) in 2024—a $500K policy for myself and a $90K policy for my son. I paid every single monthly premium on time, without fail. In August 2026, my 18-year-old son was tragically murdered. He was my only child. When I turned to NLG in my darkest hour, expecting the financial security they promise, I was met with cold, corporate cruelty. Because my son was killed just three weeks shy of the policy's 24-month mark, NLG invoked their "two-year contestability period" clause. They are contesting a dead child's policy, weaponizing a 3-week timeline gap to delay my payout by up to a year. As a single mother navigating unspeakable grief, I was forced to pay for my son's funeral entirely out of pocket.
To make matters worse, NLG's internal processes are utterly broken. I submitted all the required paperwork via email a month ago. Today, NLG claimed they never received it because their third-party contractor, Diligence, failed to forward it. After weeks of going in circles with incompetent customer service, dodging responsibilities, and facing a total lack of empathy, I had enough. Today, I canceled my own $500K policy with NLG. The core purpose of life insurance is to provide peace of mind and guaranteed security when a loved one dies. NLG did the exact opposite. They took my money faithfully, but when it came time to honor their end, they magnified my agonizing pain with broken processes, incompetent contractors, and zero responsiveness. If you want a company that protects your family when tragedy strikes, look elsewhere. NLG will abandon you when you need them most.

If you wanna buy an insurance, it’s ok. IT IS NOT A INVESTMENT. lol…🤡

I guess I'm not surprised to see their low star rating. This company is no good the policy I lost the policy I bought and paid for for over 20 years, I was told when I purchased the plan that the monthly amount was guaranteed not to change, now years later they want triple and quadruple the price that I originally got the policy for. This is not a term policy it's universal life and I guess that's why those aren't sold that much anymore. This company is a joke though because I keep trying to get information from the agent and the company about exactly what's going on exactly what amount of money will save the policy and I get different answers from everyone. This kind of crap should be illegal.

We were trying to withdraw/do a surrender request with NLG and it has been a very frustrating, d*mning process!
1. Submitted request - Nov 2025
2. We keep getting emails saying they received it and will work on it
3. 1-2 months later sent us e-mail saying they needed our signature AND position in our company, which we supplied.
4. They kept coming back to us saying they needed the following: wet signature, new signature with my position in the company, another signature, the position should be placed in a specific location with the signature, etc...ALL THE BS!
5. We had a dozen calls to their call center and most would say their notes indicate we did not submit anything!
6. Finally, after 6-7 months, on our last call we were given a response saying just wait for our money to be sent to our bank within 4-5 bus days
7. With my last call just less than an hour ago with another agent and she said they did not receive anything from us? And thus, we're back to friggin' square one!

It's going to be a year now in 2 months and yet nothing! This company earned money from us but now that we are surrendering, they won't give anything back! A bunch of thieves or con people if you ask us!

As an agent and policy holder, it is important to know the proper way to design NLG for maximum cash accumulation and protection.

So far, my policy and my clients policies for the past 3 yrs has been performing the way they should be.

My experience with National Trust Group has been extremely disappointing.

Representatives came to my school and presented this investment to me and several colleagues as a safe option. We were told we could earn approximately 8% interest while protecting our original investment. Based on those representations, I invested $20,000 more than seven years ago.

Over that entire period, my investment has earned only about $1,000 in total interest. That result is nowhere near the returns I believed I was being promised. Even a standard high-yield savings account earning around 4% would likely have produced significantly better returns while still allowing easier access to my money.

In my opinion, the potential gains were overstated, and the actual performance did not match the way the investment was presented. I strongly encourage anyone considering doing business with National Trust Group to carefully review all fees, restrictions, surrender terms, guarantees, and projected returns in writing before investing. Speak with an independent, licensed financial adviser who is not affiliated with the company.

Based on my experience, I would not recommend National Trust Group.

Thivery at its finest. The representative didn't explain the subtle details. I feel like I been taken advantage of by professional thieves. I invested $4800 last year. My policy is worth $2800. I inquired about withdrawing some money for an unexpected emergency. They informed me that I could only withdraw $186. If I closed my account all I'd get is $186.
God damned thieves. I detest this company and I hope they burn..

They charger me more that the agreed premium price. I emailed them to cancel immediately, but got absolutely no response. They just took my money and disappeared.

They offered me a premium for an specific price and they charged me more, I emailed them to cancel and got no response, is being days and no one has spoken to me about it, but they sure took my money. I would have read the reviews before I went on business with this company. God only knows what’s going to happen to the money they took from me, Im making a complaint in my bank also so they don’t keep charging me for what Im being trying to cancel since day one.

Once your in, you can not get out. One of my biggest regrets is getting involved with this company.
Buyer beware:
You can't change your amount
You can not borrow
You can not stop or transfer
Without HUGE penalties and signatures.

National life is a scam. My agente Geraldo Staziaki. Oversold me an IUL Policy he had me open up an account. With the amount of $325,00 he told me that. I was going to get 9% rate that never happened. They get hold to my bank account and from May of 2025_ May of 2026 National life withdrawals $47,00 and I find out that was a scam then I closed the account with them and that is the and of the story I lost all that money. So do not thrust them they over sale you and they system is very complex. It's made to deceive the investors

Due to a very poor interest rate, I decided to transfer my money out. Took days before I got a emailed confirmation of my transfer request. I was told via phone it would take 20-30 BUSINESS days to receive my money (have it put into a bank account). Then nothing. Ridiculous. At one point, I called them and the promise was the same: 20-30 business days. They sent me a questionnaire about the call. I responded and told them I will be posting negative reviews on social media if they don’t get this money to me right away. A couple of days later, I received an email saying the transfer was complete. It also said the bank may not show my $ for 2-4 business days. My bank has not seen anything for 7 days and yet I now have a zero balance at National Life Group. Where the heck is my money!!!!!!!
You’d better believe I’ve posted on social media. Next I will be contacting the Attorney General, the Federal Trade Commission, the state licensing board in Vermont, and filing a complaint with the Consumer Financial Protection Bureau.

they don't want to give back the money , took me twice to do the loan for my 3 acct , they said 5-7 days, after 8 days, got no email, no response , called and talk to the custommer service , all they said in proccess , wait for 24-72 hours, atfer that still nothing . 2 months no information , nobody give me any reason what happen ? all they said sorry in proccess.

National Life is a total rip-off—do not use this insurance! My husband and I took out a policy and ended up losing $12,000. I underwent back surgery and was completely incapacitated for four months; when I filed a claim, they told me I wasn't eligible for coverage. Yet, when I originally signed up, an agent assured me that I would be covered in the event of any serious health issue—and in my case, it was indeed very serious; my husband had to care for me full-time for four months. You only qualify to receive anything if you are bedridden and unable to lift a finger. I basically threw $12,000 down the drain. So, if you want to toss your money in the trash, go ahead and sign up with National Life.

This company rates less than 1 star. I have been sending money for years yet my policy has a net worth $12000 less than the money submitted. I finally had enough, cancelled the policy and requested the balance. I submitted the form and was told it would take 10 business days. Ten business days later I called to be told, I submitted the wrong form and after the completion of the new form it would take 30 to 35 business days for processing.
Do NOT use their services, unless you have a deep desire to throw away your money.

Juan Franco will tell you it only takes 5 years to see a return and all the wonderful things about this insurance. It is a total lie. After five years, you will se no such thing and he will tell you it will take 10 years. Stay away from these people. Invest your money with people you actually know that care about you. This guy is just looking for a paycheck.

Our family has had multiple policies with National Life Group for years, each held between roughly 3–6 years. We trusted this company to be there if something serious ever happened. Unfortunately, when we actually needed help, they completely failed.

One of our family members has been seriously ill and unable to work for about a year. The policy includes living benefits that are supposed to provide support in situations exactly like this. Yet despite that, National Life Group has not paid any living benefits.

For the past five months, he has been calling them weekly trying to get answers or progress on the claim. Every time it’s the same story—delays, excuses, or no meaningful update. Meanwhile, the bills and financial stress continue to pile up while the company that promised protection does nothing.

What makes this even more frustrating is that while they delay and avoid paying the benefits, they continue collecting their monthly premiums without fail. The payments are taken like clockwork, but when it comes time for them to honor the policy, they suddenly become unresponsive.

An insurance company proves its value when policyholders actually need to file a claim. In our experience, National Life Group has been dishonest, unreliable, and incredibly frustrating to deal with. After years of paying premiums, we expected basic accountability and support. Instead we’ve been met with endless delays, constant runaround, and no payments.

Based on our experience, I strongly recommend that others think twice before trusting National Life Group with their financial security. When it mattered most, they were nowhere to be found. Stay away.

This company doesn’t even deserve a 1 star horrible company do not put your money here unless you are giving it away and do not want it back I was told that I would earn 9% on my cash value check my IUL account and was told a lie spoke with a agent before canceling my policy he told me that I was eligible to get my money back now another agent told me that I can not get any of my money back $1200.00 gone

I want to make this perfectly clear: you were fired in November. After ten years of loyalty, never filing a claim, and paying thousands of dollars for life insurance, you dramatically increased our rates by 1000% and 800%. As a result, we chose not to renew the policy and canceled it with you. I have contacted you multiple times—locally, nationally, and now through this app—and I am determined to make it known that I will pursue any necessary action to hold you accountable online across all social media platforms. I will not tolerate receiving bills or correspondence from you nearly six months after ending our relationship. Never send me or my wife any further letters or notices. If you do, I will hire a lawyer and sue for harassment.