National Life Group レビュー 

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.

Cuando llamas a reclamar y tienes menos de dos años prepárate para que te investiguen hasta donde naciste, se tardan mas de los 90 dias qué dice el contrato para pagar, son buenos para cobrar pero para pagar buscan lo minimo para no pagar, a dicional a eso te mienten cuando es que puedes abrir un reclamo, trataron de dilatar el proceso 90 dias por eso les hice un reporte en el departamento de seguros, tu pagas por si te pasa algo y quedas incapacitado y no puedes pagar esta gente basura, busca lo minimo para no sortal ni un dolar aqui no inviertan no sirve.

I am now completely disabled and havent been able to access anything my plan was sold to me for, for going on 5 years now.
These people are liars and grifters and they treat sick people like shit.

Truly, it is incomprehensible how monstrous you have to be to work for this company.

They steal your money and dont make claims nor hold agents accountable.

Edit after their reply: I have called them dozens of times. They never call back. They haven’t even gotten me an agent in over 9 months.

Make sure you understand the design and see how it's not just the out of the box stuff. Great company.

Do not wast your time with National life group. This company is inconsiderate and dishonest. The agent does not disclose accurate truthful information there a lack of information that the agent should be discussing that they do not. This company is a criminal of a company they are complete thieves. This is a disgusting, immoral corrupted company that steals your money. Should be shut down, a down right dishonest company. I caution you to stay away from this horrible company. The Compliance team and supervisor not not care or will not address questions and concerns about reviews to hold concerning agent accountable. This company does not care. A complete same no morals or integrity of this horrible company at all. As a word of advice I would stay far away from this disgusting company a complete wast and some of there sick agents.