Life Insurance Is Our Business

Welcome to ML Insurance. We represent the National Life Group1, which was established over 168 years ago, and whose reputation and track record are among the best in the global insurance industry. We concentrate on one of their best, exclusive financial product: the Indexed Universal Life Insurance (IUL).

This IUL is different from Life Insurance you may be familiar with: instead of paying out benefits only at death time, it has Living Benefits.

With Living Benefits, you can accelerate your death benefit while you’re still living – if you suffer a heart attack, cancer diagnosis, stroke, or any other Critical, Chronic, or Terminal illness. This ability will help save your financial life, and helps protect you from the cause of 60% of the bankruptcies in the U.S. every year – medical bankruptcy following a critical illness.

There are several types of life insurance. “Term” insurance only provides a death benefit for a limited period of time. By contrast permanent life insurance – also known as “whole” – can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals.

In addition to those Living Benefits, The National Life Group’s  IUL policy also offers the flexibility to increase or decrease your death benefit as your needs change, as well as the potential to reduce or skip premium payments. This is accomplished via a “Gap Protector Rider”, an exclusive feature of the National Life Group’s IUL insurance.

We invite you to explore this exciting product and to start protecting yourself and your family. Also, please watch the videos in this section for more information.

Your Life

Begin a career. Get married. Purchase a house. Raise a family. What an exciting time, how important those decisions are, and what responsibilities they bring! Time can be your ally – make it work for you. With an early Life Insurance policy, you can protect your family’s financial stability, and create a solid foundation for yourself. It’s estimated that 170 million Americans are dramatically under-insured or have no life insurance coverage at all. We have a unique, exclusive product named “GAP Protector Rider” specifically designed to help people work their way up to the coverage they need, while reducing their out-of-pocket premiums by thousands of dollars during the early years of a policy when coverage is lower.

Earn, CARE
And Plan

Children with special needs. College preparations and tuition. Sudden or chronic illness. Aging parents to care for. Drafting a will and estate planning. Planning for retirement.  Throughout your life, big expenses will occur, some unexpectedly. Here again we can provide advice, take away some of the guesswork, and deliver the solutions that will allow you to take care of those exigencies and plan for the other big things. Our “Living Life” insurance policy is a product where you don’t have to die to take advantage of its benefits. When the need arises, you can tap into the Living Benefits of your policy, while the contributions you make into it will continue to accrue toward its cash value.


Now is the time to relax and enjoy the fruits of your labor. But will you outlive your income? Will unforeseen events intrude, or certain variables not turn out as expected? With the insurance policies purchased earlier in life, you’re now well equipped to weather some of those difficulties: you can withdraw and use funds from your policy, in case of chronic, critical or terminal illness, or critical injury. We can also help you invest in Annuities, financial products that earn interest and defer taxes. Lastly, how will you distribute your assets to your family, and minimize taxes in the process? Here too, our products and services will assist you in leveraging resources to be delivered, as well as providing tax benefits.

GAP Protection

Buy insurance at your age now, not at an older age and health later in life.

Lock in future protection at today’s health.

Designed for people who need to work up to affording higher coverage.

Coverage and premiums can increase annually by a predetermined amount.

You don’t have to qualify again regardless of health issues.

Available only at issue of policy.

Your premium is locked in at today’s health regardless of future health issues!


Our most popular Whole Life Insurance, this product provides protection of your death benefit  while accumulating cash value for lifetime needs to supplement your retirement income:

Flexible death benefit

Flexible premiums

Cash value based on an interest rate tied to a market index (S&P 500).

Guarantees that your cash value will not decline due to decreases in the Index.

AND – this product also comes with Accelerated Benefits Riders at no extra cost.


The Accelerated Benefits Riders included with our Indexed Universal Life provide benefits that can be withdrawn in case of:

Chronic illness
Critical illness
Terminal illness
Critical injury
Critical injury death
Accidental injury death

Or you can use these accelerated benefits as a supplemental income, and which you won’t outlive.

To better understand these benefits, call us for a consultation so we can work up detailed, personalized information for you.


Don’t wait till old age. We also have Annuities which allow you to deposit premiums that earn interest and grow on a tax-deferred basis. In return, you will receive a series of payments at regular intervals.

Annuities can supplement retirement income such as Social Security payments, pension benefits, investments, and other sources.

They can be an income stream paid over a fixed period or during your lifetime. Withdrawals in various amounts can be taken out as needed.