National Life Group vs. Primerica Life Insurance in 2025 (Side-by-Side Review)
National Life Group vs. Primerica life insurance caters to different financial goals, balancing stability and cost. At $51/month, National Life Group offers whole and universal policies with cash value growth. At $66/month, Primerica specializes in term life with affordability and financial education.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Jan 30, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 30, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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0 reviewsCompany Facts
Term Policy
A.M. Best Rating
Complaint Level
Pros & Cons
0 reviewsCompany Facts
Term Policy
A.M. Best Rating
Complaint Level
Pros & Cons
National Life Group vs. Primerica life insurance takes different approaches to financial security, emphasizing long-term asset growth and focusing on affordability.
National Life Group provides whole life insurance and universal life policies with cash value accumulation, allowing policyholders to borrow against their policies for major expenses. Primerica specializes in term life insurance, combining coverage with financial education and debt reduction programs.
Life Insurance Customer Reviews & Ratings: National Life Group vs. Primerica
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 3.6 | 3.3 |
| Business Reviews | 4.0 | 3.0 |
| Claim Processing | 3.0 | 3.2 |
| Company Reputation | 3.5 | 3.0 |
| Coverage Availability | 4.7 | 2.8 |
| Coverage Value | 3.5 | 3.0 |
| Customer Satisfaction | 2.5 | 2.5 |
| Digital Experience | 4.0 | 2.5 |
| Discounts Available | 3.8 | 5.0 |
| Insurance Cost | 3.5 | 3.0 |
| Plan Personalization | 3.5 | 3.0 |
| Policy Options | 3.5 | 3.8 |
| Savings Potential | 3.6 | 3.7 |
| Primerica Review | National Life Group Review |
Choosing between them depends on whether you prioritize lifelong financial stability or budget-friendly term protection with financial planning support.
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- National Life Group costs $51/month; Primerica costs $66/month
- National Life Group offers a whole and universal life with cash value
- Primerica provides term life with financial education and debt support
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Primerica vs. National Life Group: Cost Trends Over Time
Life insurance rates aren’t one-size-fits-all—they change based on age, gender, and the type of policy you choose. This table breaks down Primerica and National Life Group’s monthly rates, showing how costs rise with age and differ between men and women. Raising your deductible may reduce costs, but risk and policy type set rates.
Primerica vs. National Life Group Whole Policy Life Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $20 | $85 |
| Age: 16 Male | $25 | $90 |
| Age: 30 Female | $30 | $130 |
| Age: 30 Male | $35 | $140 |
| Age: 45 Female | $80 | $190 |
| Age: 45 Male | $90 | $210 |
| Age: 60 Female | $200 | $300 |
| Age: 60 Male | $220 | $320 |
Younger applicants, particularly 16-year-old females, receive the lowest rates, with Primerica at $20/month and National Life at $85/month, while males of the same age pay $25 and $90, respectively. At age 30, females pay $30 for Primerica, Inc. and $130 for National Life Group, while males pay $35 and $140.
The trend continues at age 45, with females paying $80 and $190 and males paying $90 and $210. By age 60, premiums increase sharply, with females paying $200 for Primerica and $300 for National Life Group, and males at $220 and $320.
While National Life Insurance Company provides whole and universal life alternatives with cash value accumulation, Primerica Life Insurance Company offers term life insurance at a lesser rate. The long-term advantages of cash value policies are frequently highlighted in favorable National Life Group reviews, which makes them alluring to people looking for lifetime coverage and financial freedom.
Choosing the Best: Primerica vs. National Life Group
Choosing between Primerica and National Life Group depends on your life insurance needs. Both companies offer strong coverage, but they take very different approaches. Primerica offers low-cost term life with financial education, while National Life Group provides a whole and universal life with cash value growth.
- Affordability: Primerica is an excellent choice for anyone on a tight budget because it provides less expensive term life insurance. The whole and universal life insurance, the National Life, offers cash value accumulation but has higher premiums.
- Coverage Options: Primerica, Inc. specializes in term life policies, offering flexibility based on different life stages. National Life Insurance Company offers whole life insurance, allowing policyholders to build long-term financial security.
- Financial Planning Support: Primerica Financial Coverage includes financial education and debt reduction tools to help you plan for the future. National Life Group Financial Insurance builds cash value in its policies, giving you access to funds when needed.
In the Primerica vs. National Life Group debate, you can choose whether you prioritize lower insurance premiums with flexible term life or lifelong security with cash value benefits.
Understanding Life Insurance
Life insurance is not only for providing financial safety but also to ensure your loved ones are cared for when you are gone. It can remove the money pressure from those we love by clearing loans, reducing house loans and other responsibilities, and covering burial costs. Whatever happens, you might feel at peace knowing they have a strong financial base.
The Importance of Life Insurance
After your death, your loved ones can rest easy knowing that they will still have financial support because of life insurance. That way, they won’t have to worry about how to pay for the burial. They can alleviate financial strain by paying off mortgages, credit cards, and automobile loans.
If you are the primary provider, you replace lost money, allowing your family to retain their lifestyle. It also means they can keep their homes without stressing overpayments. Knowing they’ll be okay no matter what gives you peace of mind.
Types of Life Insurance
Now that we’ve established the significance of life insurance, let’s look at the many accessible policies. Term life insurance is among the most frequent types of life insurance. It provides coverage for a set period, usually 10, 20, or 30 years.
A death benefit is paid by term life insurance if you die within the policy’s term, and it’s usually less expensive than permanent coverage. Permanent life insurance lasts a lifetime and builds cash value you can access. Whole life insurance offers lifelong coverage, fixed premiums, and guaranteed cash value growth.
Another permanent life insurance is universal. In contrast to whole life insurance, it provides greater flexibility. As your needs change, you can modify your universal life insurance premiums and death benefits. It builds cash value that can help with retirement or college costs.
Knowing the various kinds of life insurance will enable you to base your choice on your unique requirements and objectives. Having life insurance coverage in place is crucial for safeguarding your loved one’s financial future and protecting them, regardless of whether you choose term or permanent life insurance.
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National Life Group vs. Primerica Rate Insights
Comparing Primerica vs. National Life Group shows that both companies offer term life insurance policies and permanent coverage tailored to different financial needs. Primerica Financial Coverage offers affordable term life insurance for people who only require coverage for a predetermined period, as highlighted in various Primerica reviews.
National Life Group provides whole and universal life insurance with increasing cash value. Due to these disparities, a 30-year-old woman would pay $30 monthly for Primerica and $130 monthly for National Life Group Financial Insurance.
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Term policies from Primerica have fixed rates and range in duration from 10 to 35 years, making them an affordable option. To help policyholders manage their spending, they also offer debt reduction solutions and financial education. National Life Group’s whole and universal life policies come with a cash value you can borrow from, making them a solid option for long-term financial planning.
The right choice depends on what you’re looking for. Primerica, Inc. works best for affordable term coverage without long-term commitments. National Life is great for lifetime coverage with cash value that can help with retirement or later expenses. Looking at cost, policy length, and financial benefits can help you pick the best option.
Real Customer Reviews of National Life Group vs. Primerica
When comparing National Life Group and Primerica Life Insurance Company, customer satisfaction and financial strength play significant roles. This table breaks down ratings from J.D. Power, Consumer Reports, and A.M. Best, giving a clearer picture of how each company performs regarding service, complaints, and reliability.
Customer feedback shows key differences between the two companies. J.D. Power and Associates insurance company ratings’ scores indicate below-average satisfaction, with an industry rating of 766/1,000 and an average satisfaction score of 641/1,000. Consumer Reports gives National Life Group Financial Insurance an 80/100, slightly higher than Primerica’s 72/100, suggesting more vigorous consumer advocacy.
Life Insurance Customer Reviews & Ratings: National Life Group vs. Primerica
| Agency | | |
|---|---|---|
 | Score: 766 / 1,000 Avg. Satisfaction | Score: 641 / 1,000 Below Avg. Satisfaction |
 | Score: A+ Good Customer Service | Score: A- Good Customer Service |
 | Score: 80 / 100 Strong Feedback | Score: 72 / 100 Good Consumer Advocacy |
 | Score: 0.28 Fewer Complaints than Avg. | Score: 1.5 Avg. Complaints |
 | Score: A+ Superior Financial Strength | Score: A+ Superior Financial Strength |
A.M. Best has given both companies an A+ grade, indicating strong financial standing. The number of complaints varies, though; Primerica has 1.5 complaints, while National Life Group has 0.28, which suggests that policyholders are less concerned.
The chart below highlights the market share of Primerica, Inc. (4%), National Life Group Financial Insurance (6%), and other providers dominating 90% of the industry. Primerica focuses on affordable term life insurance, making it an excellent fit for budget-conscious buyers.
National Life Group specializes in whole and universal life policies, offering long-term coverage with cash-value benefits. These smaller shares highlight how companies target specific needs in a competitive market.
A Reddit user shared their experience as a former Primerica Financial Coverage agent, saying the company is one of the best in terms of term life insurance. Even after leaving, they still recommend Primerica and mentioned a funeral director who agrees it’s a top choice.
Comment
byu/SaintOdysseus from discussion
inLifeInsurance
The post highlights how Primerica, Inc. has built trust not just with agents but also with industry professionals. This Reddit user values the company’s reliability and affordability.
National Life Group Life Insurance
Pros
- Lifelong Coverage With Cash Value: This product offers whole and universal life insurance, providing lifetime protection and the ability to accumulate a cash value that can be borrowed for emergencies, education, or retirement planning.
- Flexible Financial Tools: Since universal life insurance policies offer flexible death benefits and premiums, policyholders can more easily modify coverage to accommodate shifting financial circumstances.
- Excellent Financial Strength: Provides policyholders looking for a safe provider with an A+ rating from A.M. Best, indicating excellent financial stability and dependability. Learn more in our National Life Group insurance review.
Cons
- Higher Costs for Lifetime Coverage: Whole and universal life policies come with premiums significantly higher than term life, such as $300/month for a 60-year-old female, which may not suit budget-conscious individuals.
- Complexity in Policy Management: Customizing universal life insurance, such as adjusting premiums or cash value, can confuse policyholders without in-depth financial knowledge.
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Primerica Life Insurance
Pros
- Affordable Term Life Insurance Rates: This company provides some of the lowest rates in the market, with a 30-year-old woman paying only $30 per month, making it affordable for people and families on a tight budget.
- Term Length Customization: With term lengths ranging from 10 to 35 years, policyholders can match coverage to particular life periods, such as childrearing or mortgage repayment.
- Free Financial Tools: Helps policyholders make wise financial decisions and efficiently manage their spending by offering budgeting tools, debt reduction plans, and financial education.
Cons
- No Permanent Life Insurance Options: Only offers term life policies, leaving out options like whole or universal life for those seeking lifelong coverage or cash value benefits.
- Higher Complaint Ratio: Maintains a 1.5 complaint ratio, higher than the industry average of 0.28, indicating more frequent customer dissatisfaction or unresolved issues than competitors. Unlock details in our Primerica insurance review.
Choosing the Right Life Insurance Policy for Your Needs
The National Life Group vs. Primerica life insurance review highlights their unique strengths. National Life Group provides cash-valued whole and universal life insurance, perfect for people looking for long-term financial stability, but not everyone can afford its higher rates.
Primerica’s term life insurance is still a great option for customers on a tight budget, even though it isn’t intended for permanent coverage. Supported by a solid Primerica life insurance rating and an A+ rating from A.M. Best, the business is notable for its dependability and cost. Primerica’s flexible term lengths (10 to 35 years) and National Life Group’s cash value benefits further differentiate their offerings.
To find the best policy for your needs, compare multiple life insurance companies online and evaluate their rates, features, and coverage. Utilize our free quote comparison tool to compare life insurance rates from reliable local insurers right away.
Frequently Asked Questions
Can I cash out my Primerica life insurance policy?
It is impossible to cash out Primerica term life insurance policies because they lack a cash value component.
Is National Life Group a good life insurance company?
National Life Group is highly rated, with an A+ rating from A.M. Best and a strong reputation for whole and universal life insurance with cash value benefits.
Does Primerica life insurance pay out?
Yes, Primerica pays the full death benefit promptly on valid claims. Understanding how life insurance works helps—Primerica’s term policies provide affordable, time-specific coverage for financial security.
Does National Life Group pay out?
National Life Group pays out claims reliably and offers additional benefits like cash value withdrawal options in its universal and whole-life policies.
What life insurance company pays the most claims?
Companies like National Life Group, with an A+ financial strength rating, are known for consistent and reliable claims payouts.
What is National Life Group known for?
National Life Group is known for its whole and universal life insurance, accumulating cash value and providing lifelong financial planning options. Understanding all types of whole life insurance will assist purchasers in selecting the appropriate policy since some offer set premiums while others allow for payment flexibility and cash value increase.
Does Primerica have a bad reputation?
No, Primerica is respected for its affordable term life insurance and financial education, though some criticism is tied to its multi-level marketing structure.
How long do you have to pay life insurance before it pays out?
Life insurance pays out immediately after a valid claim is filed, as long as the policy is active and premiums are current.
What is the age limit for Primerica life insurance?
Primerica offers term life insurance coverage for individuals up to age 70, ensuring coverage for a wide age range. Understanding how term life insurance works is essential—it provides coverage for a set period, paying out a death benefit if the policyholder passes away within the term.
Can I cancel National Life Group?
National Life Group policies can be canceled, but surrender charges may apply to policies with cash value, such as whole or universal life insurance.
What is the tax penalty for surrendering life insurance?
Surrendering life insurance may incur taxes on any cash value that exceeds the total premiums you’ve paid into the policy.
Is group life insurance worth it?
For basic and low-cost coverage, group life insurance is worth considering, but it often lacks the flexibility and higher benefits of individual policies. To explore better coverage options, you can get free insurance quotes online and compare policies tailored to your needs.
Which life insurance companies deny the most claims?
Smaller or poorly rated companies often deny more claims; companies with A+ ratings, like Primerica and National Life Group, have better claim approval rates.
What is the downside of life insurance?
Downsides include higher premiums for permanent coverage and losing coverage if term life policies are not renewed after the specified period.
Which life insurance company has the most complaints?
Companies with a high complaint ratio, like those scoring above 1.0, tend to have more claims and customer service issues. To avoid such problems, researching the best insurance companies can help you find reliable providers with intense customer satisfaction and financial stability.
How can I submit a claim with Primerica?
You can file a claim with Primerica by contacting their claims department or using their online portal to streamline the process.
How much does Primerica’s life insurance cost?
Primerica term life insurance starts at $20/month for a 16-year-old female, making it one of the more affordable options for young applicants.
Entering your ZIP code can help you find affordable life insurance and give financial stability to your loved ones.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
