About Us

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NGL's Mission: Partner with our customers to share life's financial risks and rewards.

Our mission is a true reflection of who we are and the values we believe in. Our partnership with you, our customer, is our main focus. We are a leader in the industry because we value our partners, offer high-quality products and provide superior customer service.  

Purchasing insurance is an important life decision. And, we understand that there are many options available. That's why it's an honor to serve you and partner with you during these important life moments.

Since 1910, NGL has been committed to guiding our customers as they plan for their financial future. As one of America's most successful, independent mutual life insurance companies, we are licensed to do business in 49 states and the District of Columbia.

Today, we operate in select niche markets, including preneed, individual life and annuities, as well as group markets, including specialty and student insurance.

National Guardian Life Insurance Company (NGL) includes the following insurance companies:

• The product lines under the NGL brand includes, preneed, individual life and annuities, group and individual accident and health products managed through the Group Markets Division.

• Settlers Life Insurance Company is a subsidiary of NGL. Settlers Life specializes in providing coverage for final expenses and is licensed to do business in the District of Columbia and all states except New York. Learn more at: Settlers Life Insurance Company.

• Commercial Travelers Mutual Insurance Company is an affiliate of NGL. Commercial Travelers markets accident and health products to colleges and universities and accident only to K-12 grades. Learn more at: Commercial Travelers Mutual Insurance Company.

NGL Financial Strength

NGL is dedicated to the highest standards of quality and integrity. We offer products that are among the safest and most stable in the industry.

A.M. Best Rating

NGL is consecutively rated A- (Excellent) from A.M. Best Company, the world's oldest and most authoritative insurance rating information source. The A- rating further attests to our financial strength and ability to meet our policyholder obligations. View the report.

In addition, NGL moved up to number 92 on A.M. Best's list of Top 200 Insurers from their Best's Statistical Study. View the report.