November 6 2025

November is National Family Caregivers Month: National Life Group Partners With Homethrive to Add Free Caregiver Support

MONTPELIER, Vt. & ADDISON, Texas–(BUSINESS WIRE)–
National Life Group has announced a strategic partnership with Homethrive, a leading caregiving support solution. Johns Hopkins Bloomberg School of Public Health estimates there are 63 million caregivers in the U.S.¹ The collaboration aims to provide meaningful relief and resources to families and individuals across the full spectrum of caregiving situations, from childcare and elder care to disability, neurodivergence, and after-loss support.

As part of the partnership, Homethrive’s services will be automatically included with all new eligible 2025 National Life Group FlexLife Indexed Universal Life (IUL) policies² at no additional cost to policyholders. This new benefit³ helps caregivers navigate daily challenges as well as more complex medical and long-term care situations with confidence. Through Homethrive, policyholders will have:

One-on-one live guidance, coaching, and emotional support from experienced social workers
Concierge assistance to help coordinate care
24/7 digital access to smart tools and expert-vetted resources
Emotional wellness support
Resources for Alzheimer’s and elder care

“Millions of Americans are quietly balancing work, family, and caregiving responsibilities, often with little guidance or support,” National Life Group Vice President of Marketing Linda Goldstein said. “By partnering with Homethrive, we’re making it easier for our policyholders to care for their loved ones without feeling overwhelmed or alone.”

Homethrive has earned national recognition for its innovative approach to caregiver support, blending one-on-one guidance with a tech-enabled platform that helps families make better-informed decisions and maintain quality of life for those they care for.

“This partnership with National Life Group underscores our shared commitment to help families provide smarter support to reduce the time, cost, and stress of caregiving,” said Dave Jacobs, co-founder and co-CEO of Homethrive. “National Life Group has gone the extra mile to empower policyholders to navigate these challenges with greater ease and less disruption to their lives and careers. In doing so, they foster well-being and loyalty that strengthen not only the lives of policyholders and their families, but also the long-term success of their business and distribution partners.”

This initiative reinforces National Life Group’s longstanding commitment to supporting its policyholders through all of life’s journeys — not just with financial products, but with human-centered solutions, including an Alzheimer’s Disease and a fertility journey rider.

National Life has offered living benefits (Accelerated Death Benefit Riders) since the 1950s, providing proven expertise to its policyholders to help build their financial confidence as they navigate through various stages of life.

About National Life Group

National Life Group has been keeping promises since 1848, providing access to flexible, secure life insurance and annuities for families, businesses, educators, and first responders nationwide. With an independent, entrepreneurial spirit, our values are to “Do good, Be good, Make good” for our customers, agents, employees, and the communities we serve. Learn more at NationalLife.com.

About Homethrive

From childcare to elder care, autism to Alzheimer’s, and even after loss, Homethrive covers the full spectrum of caregiving challenges from highchair to rocking chair and beyond. Our all-in-one platform blends predictive technology with human connection to deliver proactive, personalized support for every family. Homethrive is offered as an employee benefit by leading employers, and through select health plans and insurance providers. Learn more at www.homethrive.com.

FlexLife, Indexed Universal Life Insurance, form series 20608(0119)/ICC19-20608(0119), Annual Accumulated Value Enhancement (AAVE) rider, form series 20914(0823)/ICC23-20914(0823), Lifetime Income Benefit Rider, form series 20266(0614), Charitable Matching Gift Death Benefit Rider, form series 20186(0616)/ICC16-20186(0616), Children’s Term Rider, form series 20324(0616)/ICC16-20324(0616), Guaranteed Insurability Rider, form series 8051(0798), Qualified Plan Exchange Privilege Rider, form series 20632(0119)/ICC19-20632(0119), Accelerated Benefits Riders, form series 8052(0798)/8095(0399)/8766(0609)/ICC10-8844(0310)/20805(0222)/ICC22-20805(0222)/20806(0222)/ICC22-20806(0222)/20818(0622)/ICC22-20818(0622)/20972(1024)/ICC24-20972(1024)/ICC24-20974(1024), Fertility Journey Rider, form series 20837(0922), and Value Added Services, form series 20971(0824)/ICC24-20971(0824) are underwritten by Life Insurance Company of the Southwest, Premium Chronic Care Rider, form series 20972(1024/ICC24-20972(1024) is underwritten by Life Insurance Company of the Southwest (LSW).

An Indexed Universal Life (IUL) insurance policy is usually a fixed universal life (UL) policy where interest is determined, at least in part, by the performance of a specified market index. Unlike traditional UL policies, the policy owner may receive zero interest for a single crediting period if the index performs poorly. However, with most designs, the premiums are protected and guaranteed to credit a minimum interest rate in the event the policy is surrendered. The owner of an IUL policy may experience better interest crediting than a traditional UL policy during periods when the market performs well. IUL policies do not directly participate in any stock or equity investments. An investment cannot be made directly into an index. The amount of interest credited is limited by a “cap”. The 0% floor provided by an IUL policy ensures that during crediting periods where the index is negative, that no less than 0% interest is credited to the index strategy. However, monthly deductions continue to be taken from the account value, including a monthly policy fee, monthly expense charge, cost of insurance charge, and applicable rider charges, regardless of interest crediting. Living benefits are provided by no-additional-premium Accelerated Benefits Riders (ABRs). Payment of accelerated benefits will reduce the cash value and death benefit otherwise payable under the policy. Receipt of accelerated benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional and may not be available in all states or on all products.

Value Added Services are performed by a third-party provider, which is independent from National Life Group, and may be available to the policyowner, insureds, and/or beneficiaries. No costs will be paid or reimbursed by National Life Group for these services. In CA, FL, and ND, the same services are provided but without adding the rider to the policy. Not available in NY. There’s no extra charge for this rider.

National Life Group® is a trade name of National Life Insurance Company (NLIC), Montpelier, VT founded in 1848, Life Insurance Company of the Southwest (LSW), Addison, TX chartered in 1955, and its affiliates. Each company is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in New York and does not conduct insurance business in New York. NLIC, the flagship of National Life Group was founded in 1848, and all references to 1848 are attributable to NLIC.

Products are issued by National Life Insurance Company and Life Insurance Company of the Southwest.

Homethrive is independent of National Life Group. Guarantees are dependent upon the claims paying ability of the issuing company.

¹ Johns Hopkins Bloomberg School of Public Health, “What is the Caregiver Crisis?” July 28, 2025

² LSW FlexLife: FlexLife, Indexed Universal Life Insurance, form series 20608(0119)/ICC19-20608(0119) NL FlexLife: FlexLife, Indexed Universal Life Insurance, form series 20607(0119)/ICC19-20607(0119)

³Value Added Services, form series 20971(0824)/ICC24-20971(0824) is underwritten by Life Insurance Company of the Southwest (LSW).

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