Term Life InsuranceTerm Life Insurance
National Life GroupNational Life Group
High-coverage no-exam pioneer — a trusted partner for immigrants and visa holders.
National Life Group
High-coverage no-exam pioneer — a trusted partner for immigrants and visa holders.
About National Life Group
National Life Group traces its roots to 1848, making it one of America's oldest life insurance companies. Products are issued through Life Insurance Company of the Southwest (LSW), its Texas-domiciled subsidiary. NLG is particularly respected for its transparent, well-documented underwriting guidelines for foreign nationals, visa holders, and recent immigrants — as well as offering one of the highest no-exam face amounts in the industry at $2 million.
Term LSW
High-coverage no-exam pioneer — a trusted partner for immigrants and visa holders.
Product Details
Key Features
EZ Underwriting — No Lab Draw
Ages 18–50 can apply for up to $2 million in coverage without any blood or urine testing through the EZ Underwriting program — one of the highest no-exam limits in the market.
Non-Citizen and Visa Holder Friendly
One of the most established carriers for applicants on work visas (H-1B, L-1, O-1) or permanent residency — with clear, documented underwriting guidelines for non-U.S. citizens living and working in the United States.
Living Benefits — With an Important Caveat
Terminal, chronic, and critical illness riders are available under fully underwritten approvals. However, if approved through the EZ Underwriting fast track at the Express Standard health class, accelerated benefit riders are not available. Discuss with your advisor before applying.
Best For
Applicants needing high no-exam coverage amounts, and immigrants or visa holders who want a carrier experienced with non-citizen applications.