National Income Life Insurance

National Income Life is a union only insurance provider offering trade and industry union members free Accidental Death and Dismemberment coverage. Spouses and children of union members also receive free Accidental Death coverage. National Income Life foots the cost of these insurance policies so neither the union or the policy holder has to pay any money.

Accidental Death and Dismemberment insurance may not sound like the most glamorous of products, but it is a vital insurance package for all workers and through NILICO it offers a number of advantages.

The insurance is active 24 hours a day, 7 days a week, and not just when the policy holder is at work. Family members also receive the free Accidental Death policy providing further coverage and extra protection for members and their families.

In exchange for these free insurance services, NILICO simply asks to be able to contact members through direct mail with details of other insurance policies that they may find of interest. Those members that wish to take out one of these additional policies then fills in a response card and returns it to NILICO.

Unions benefit by providing free insurance coverage to their members, unions members benefit by gaining free insurance for them and their family, and NILICO benefits through the sale of additional insurance policies.

The National Income Life Insurance Company (NILICO), which is a subsidiary of American Income Life Insurance, operates in a unique manner as a 100% union insurance agent. Once a union agrees to a partnership with National Income Life Insurance, all their members receive Accidental Death and Dismemberment coverage at no cost to the union member.

In exchange for this free insurance coverage, union members receive direct mail outlining the benefits of NILICO’s supplemental insurance packages. Any interested recipients return a card outlining their areas of interest and only these interested members receive specific details about a possible insurance solution for their needs.

Because of this unique approach, NILICO does not use any cold calling methods. Representatives only contact those people that have directly expressed an interest in taking supplemental insurance plans through National Income Life Insurance. Union members benefit greatly from this arrangement because they receive free insurance, and enjoy a hassle free method of arranging further insurance coverage.

National Income Life Insurance Company is a 100% union company which is licensed to serve union members in New York State.  The company has offices in New York City, Albany, Rochester, Buffalo, Syracuse, Long Island, and Corning. 

All members and retirees of union groups are given Accidental Death and Dismemberment benefits through National Income Life.  These benefits are in force 24/7, no matter if the union member is on or off the job.  Spouses and children of members also receive an additional Accidental Death benefit.  National Income Life covers the costs of these benefits. 

In exchange for providing the free benefits, all that National Income Life is asking for in return is the chance to introduce their supplemental benefit program to members.  This will be accomplished through directly mailing the union members.  Only those who reply through response cards will be given information on supplemental benefits.  The benefits will be personalized for each member. 

National Income Life maintains a website where members are able to change certain policy information such as name, address, and miscellaneous details.  If members choose to enroll in other benefit programs, premiums can be directly deducted from their bank account.  Or a member can opt to have a premium notice sent to them via E-mail so they can pay the bill online.  Claim forms are also available on National Income Life’s website.