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 H-1B, L-1, O-1, and other work visa holders, green card holders, and recent immigrants — a population that many carriers handle poorly or decline outright. NLG's EZ Underwriting program also offers one of the highest no-exam face amounts in the industry: up to $2 million for ages 18–50, and up to $1 million for ages 51–60. One important caveat: applicants approved under the Express Standard health class via the EZ track do not receive access to the living benefit riders. Full critical illness, chronic illness, and terminal illness riders are available only under standard fully underwritten approvals.
FindInsureWise's Take
National Life Group is the first carrier we recommend for applicants on H-1B, L-1, O-1, or other work visas, green card holders, and recent immigrants who want high coverage amounts with an efficient application process. The $2M no-exam limit is among the highest in the industry. The critical caveat: if the applicant is approved under the Express Standard EZ Underwriting class, living benefit riders are not available. Applicants who want comprehensive living benefits should discuss underwriting path expectations with their advisor before applying.
Strengths
- Best-documented underwriting guidelines for non-U.S. citizens, visa holders, and recent immigrants
- EZ Underwriting: no-exam up to $2M for ages 18–50 — one of the highest no-exam limits in the industry
- All three living benefit riders available under fully underwritten approvals
- Founded 1848 — one of America's oldest and most financially stable insurers
- Annual Renewable Term (ART) available — useful for short-term coverage needs
Considerations
- Living benefit riders NOT available under Express Standard EZ Underwriting class — critical caveat for families focused on living benefits
- Discuss EZ vs. fully underwritten path with advisor before applying if living benefits are a priority
- A (Excellent) rated — strong, but not A+ Superior
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.