Annuity Atlas
As of Oct 26 · B++ or betterAll rates →

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.

A.M. Best

A+

Insurer claims-paying rating

Products tracked
24
MYGA yield (lineup max)
5.50% · 5yr · RetireMax Secure 5 (MVA)
Surrender range
3–10 years
Rate as of Oct 12, 2026
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Products covered
24
A.M. Best
A+
Categories covered
Income · FIA · MYGA

24 National Life Group annuities

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

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
A+
A.M. BEST
MYGA5-YR SURRENDER
Review →
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
A+
A.M. BEST
MYGA5-YR SURRENDER
Review →
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
A+
A.M. BEST
MYGA3-YR SURRENDER
Review →
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
A+
A.M. BEST
MYGA5-YR SURRENDER
Review →
Conservative savers who want a short, locked-in rate with zero exposure to market value adjustment risk
A+
A.M. BEST
MYGA3-YR SURRENDER
Review →
FIA10-YR SURRENDER
Details →
Buyers who want a principal-protected, long-horizon FIA with a broad index-strategy menu and no interest in a lifetime income rider
A+
A.M. BEST
FIA10-YR SURRENDER
Review →
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
A+
A.M. BEST
FIA5-YR SURRENDER
Review →
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
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
FIA10-YR SURRENDERINCOME RIDER 1.00% annually FEE
Details →
FIA10-YR SURRENDERINCOME RIDER 1.00% FEE
Details →
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
A+
A.M. BEST
MYGA10-YR SURRENDER
Review →
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
A+
A.M. BEST
MYGA10-YR SURRENDER
Review →
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
A+
A.M. BEST
FIA10-YR SURRENDERBONUS 10%
Review →
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
A+
A.M. BEST
FIA7-YR SURRENDERBONUS 7%
Review →
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
A+
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 1.00% annually FEE
Review →
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
A+
A.M. BEST
Income7-YR SURRENDERINCOME RIDER 1.00% annually FEE
Review →
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
A+
A.M. BEST
FIA10-YR SURRENDER
Review →
Buyers who want a fee-free base contract, a deep crediting menu, and a stronger-than-typical death benefit, without needing an income rider
A+
A.M. BEST
FIA5-YR SURRENDER
Review →
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
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
FIA10-YR SURRENDERINCOME RIDER 1.00% annually FEE
Details →
FIA10-YR SURRENDERINCOME RIDER 1.00% FEE
Details →
FIA7-YR SURRENDERINCOME RIDER 1.00% annually FEE
Details →
FIA7-YR SURRENDERINCOME RIDER 1.00% FEE
Details →

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

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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