It was formed in 1909 and is an independent mutual life insurance company and is licensed to do business in 49 states and the District of Columbia.

Later that year, NGL merged with Kentucky Home Mutual Life Insurance Company and acquired 19,000 policies and its subsidiaries: Kentucky Home Capital Corporation, Kentucky Home Trust Company, and Southeastern Financial Services, Inc.[citation needed] In early 1999, NGL purchased Allnation Life Insurance Company from Blue Cross/Blue Shield of Delaware and acquired approximately 3,900 policies.

At the end of 1999, NGL purchased Settlers Life Insurance Company of Bristol, Virginia adding more than 350,000 policies and certificates.

In 2003, Protected Home Mutual Life Insurance Company (Sharon, PA) merged with and into NGL, bringing 65,000 policies and $210 million of assets.

NGL also sold interest in Kentucky Home Life Insurance Company this year.

Two years later, in 2008, NGL purchased Key life Insurance Company (Indianapolis, IN), acquiring 8,700 policies.

In 2010, NGL entered into a coinsurance transaction with Citizens Security Life Insurance Company (Louisville, KY).