Annuity Atlas
Reviews

Expert review · 2026

National Life Group review

Annuity Atlas covers 24 National Life Group annuity products with live rates and contract specs. 17 carry full editorial reviews.

Carrier strength

A+
A.M. Best
Products24
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Products covered
24
A.M. Best
A+
Categories covered
Income · FIA · MYGA
01

24 National Life Group annuities

Click any product for rates, specs, and the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
RetireMax Secure 5 (MVA)
Savers who want the highest guaranteed rate available in National Life Group's RetireMax Secure 5 lineup and are comfortable accepting market value adjustment exposure on withdrawals beyond the free amount
MYGA5yrA+Review →
Green Mountain Freedom 5
New York savers with a six-figure lump sum who want one fixed rate locked in for five years, with no bonus gimmicks and no rider fees
MYGA5yrA+Review →
RetireMax Secure 3 (MVA)
Savers who want a short, three-year rate lock from an A+ rated carrier and are willing to accept market value adjustment risk on early surrenders for a meaningfully higher guaranteed rate than the non-MVA version
MYGA3yrA+Review →
RetireMax Secure 5
Conservative savers who want a five-year guaranteed rate with zero market value adjustment risk, even if it costs them the higher rate available on National Life Group's own MVA version of this same product
MYGA5yrA+Review →
RetireMax Secure 3
Conservative savers who want a short, locked-in rate with zero exposure to market value adjustment risk
MYGA3yrA+Review →
Flex Secure Growth 10 BonusFIA10yrA+Details →
Flex Secure Growth 10-Year
Buyers who want a principal-protected, long-horizon FIA with a broad index-strategy menu and no interest in a lifetime income rider
FIA10yrA+Review →
Flex Secure Growth 5-Year
Buyers who want a low minimum-premium FIA with a deep menu of crediting strategies and don't need an income rider or premium bonus
FIA5yrA+Review →
Flex Secure Growth 7-Year
Buyers who want a deep menu of index-crediting strategies and a no-cost nursing-care/terminal-illness waiver, and who don't need to touch the money in the first year
FIA7yrA+Review →
Flex Select Income Max BonusFIA10yrA+Yes
1.00% annually fee
Details →
Flex Select Income Split BonusFIA10yrA+Yes
1.00% fee
Details →
Green Mountain Freedom
New York residents who want a simple, no-fee, no-MVA declared-rate fixed annuity and are comfortable with the rate resetting annually after the first year
MYGA10yrA+Review →
Green Mountain Freedom Flex
New York residents who want to open a fixed annuity with a very small initial deposit and can commit to a 10-year surrender schedule
MYGA10yrA+Review →
Growth Driver 10
Buyers who want principal-protected accumulation from an A+ carrier, can commit for the full nine years, and want a 10% up-front credit that grows their starting balance
FIA10yrA+10%Review →
Growth Driver 7
Accumulation-focused buyers who will hold for the full seven years and want an upfront account-value bonus plus a deep crediting menu from a highly rated carrier
FIA7yrA+7%Review →
Income Driver 10
Pre-retirees and early retirees using long-term money to build future lifetime income who want a built-in roll-up and a genuine choice between paying for a benefit-base bonus or taking a no-charge income rider
Income10yrA+Yes
1.00% annually fee
Review →
Income Driver 7
Buyers who want to defer future lifetime income, prefer a 7-year commitment over the usual 10, and want a real choice between a zero-cost income rider and a bonused one
Income7yrA+Yes
1.00% annually fee
Review →
Zenith Growth 10
Buyers with a decade-long time horizon who want a deep menu of index crediting strategies from a highly rated carrier and don't need an income rider
FIA10yrA+Review →
Zenith Growth 5
Buyers who want a fee-free base contract, a deep crediting menu, and a stronger-than-typical death benefit, without needing an income rider
FIA5yrA+Review →
Zenith Growth 7
Accumulation-focused buyers who want a deep index-crediting menu, no forced income rider, and a stronger-than-typical death benefit, backed by an A+ rated carrier
FIA7yrA+Review →
Zenith Income 10 - Max BonusFIA10yrA+Yes
1.00% annually fee
Details →
Zenith Income 10 - Split BonusFIA10yrA+Yes
1.00% fee
Details →
Zenith Income 7 - Max BonusFIA7yrA+Yes
1.00% annually fee
Details →
Zenith Income 7 - Split BonusFIA7yrA+Yes
1.00% fee
Details →
02

Income rider fees

Disclosed charges for optional riders on National Life Group products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Max Bonus GLWB Level IncomeFlex Select Income Max Bonus1.00% annually
Split Bonus GLWB Level IncomeFlex Select Income Split Bonus1.00%
Income Driver Standard GLWB - Increasing IncomeIncome Driver 101.00% annually
Income Driver Standard GLWB - Level IncomeIncome Driver 101.00% annually
03

Frequently asked questions

Is National Life Group a good annuity company?
We have reviewed 17 National Life Group products, and A.M. Best rates the carrier A+ for financial strength.
What are the fees for National Life Group annuities?
Fee structures vary by product. Optional income riders on National Life Group products carry disclosed charges — for example Max Bonus GLWB Level Income (Flex Select Income Max Bonus): 1.00% annually ; Split Bonus GLWB Level Income (Flex Select Income Split Bonus): 1.00% ; Income Driver Standard GLWB - Increasing Income (Income Driver 10): 1.00% annually . See each product review for the full fee detail.
What is the surrender period for National Life Group annuities?
Surrender periods on National Life Group's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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