National Guardian Life Insurance Company (NGL) is a mutual life insurance company based in Madison, Wisconsin, operating since 1909. It offers pre-need (funeral) insurance, final expense life insurance, individual life and annuities, and group market benefits like vision and dental products[1][3]. NGL serves individuals and families across 49 states and the District of Columbia[5]. Their unique selling proposition is a strong focus on pre-need insurance and a commitment to long-term financial security, backed by an A (Excellent) rating from A.M. Best[4][5].