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NRA Life Insurance Quotes & Member Benefits

life insurance for NRA members

How to Buy NRA Life Insurance With the Best Rates in [2023]

Millions of gun owners, including myself, have been NRA members for over 30 years, and I will always continue with the tradition. The NRA was always an important organization that would help us preserve our 2nd amendment rights which we would have lost a long time ago without them. In a way, purchasing a membership in the National Rifle Association is similar to buying a life insurance policy.

When anti-gun lobbyists come up with new reasons to ban or restrict our firearms, we look to the NRA for help. In other words, we join the NRA for protection. The NRA Membership Benefit Department offers many good benefits, but the best benefit is the NRA standing guard against the gun grabbers who are now out of control.

Your NRA life insurance policy stands guard for financial protection for your family members and dependents. A simple-term policy can protect your dependents and guarantee they will not experience a severe lifestyle change if something happens to you. Keep reading, and I will show you how to get the best rates you can qualify for.



Depending on your age, the NRA life insurance quoting rates can increase by 3.5 to 9% each year. When you apply, you will lock in your rates and keep your premiums level.


Best NRA Life Insurance Quotes: How the Process Works From Start to Finish

The complete application process is straightforward and streamlined. 

The first step is to connect with an independent agent, otherwise known as a Broker, such as ourselves. We representnra life insurance application process all the top-rated companies and act as your connection between yourself, the applicant, and the insurance company. We will help you choose the best carrier to apply with.

This will be based on your health, smoking status, if you have a dangerous occupation, and so forth. Remember that insurance companies have underwriting criteria, so choosing the right company is crucial. You don’t choose a company because you like its name. 

Once you know which insurer would be the most applicable to apply with, you can apply by phone. Telephone applications take about 15 minutes, which is a breeze compared to completing 30-page paper applications like in the past.

Regardless of whether you are an NRA member, you will work with the life insurance company for most of the process. Your agent will always be there to help you and answer your questions. Once the underwriting process has been completed, the carrier will place you in a health classification, and that is how your rates will be defined.

Again, the goal is to get the best possible health classification so you can receive the lowest premiums. We will then inform you of your premiums and answer any of your questions. If the rates come back higher than expected, we always submit your application results to several other companies to see if we can obtain lower rates from another carrier.

We are confident you will be more than satisfied with your new policy and rates when the process is over. However, remember that you do not have to accept an offer and can terminate the procedure if you wish. 

The National Rifle Association itself does not sell life insurance products. Instead, licensed agents market life insurance for the NRA.

How We Can Help You Find the Lowest Premiums

1. We shop for the largest selection of A+ rated life insurance companies for our clients. We then provide them with a list of the most competitive carriers and their rates for the client to review for themselves.

2. We are not a large call center that runs an assembly line of agents. We take our time to ensure we know which companies will offer the lowest possible rates.

3. Every applicant is carefully pre-screened before applying with any company, eliminating any underwriting glitches and surprises later. Medical conditions, dangerous occupations, or sports can affect rates.

4. We then submit applications to multiple carriers to see which companies will offer the best rates when the underwriting process is complete. We have our clients use a quick and straightforward telephone application.

5. We always ensure that our clients receive the best rates they can qualify for. This requires some work, but this is what a good agent is for.


How Will I Know Exactly What My Premiums Will Be if I Decide to Apply?

*Make sure to read this section; this is essential information!

You will first have to apply and complete the application process. You can get quotes from agents and quote engines until the cows come home but always remember, these are just quotes based on an educated guess. The carrier’s underwriters are the only ones that can determine your premiums, and that is only after a thorough application process.

Whatever is in your medical records, the Medical Information Bureau report and results from your paramed visit will count as determining factors. Medical conditions are going to be the most common variable among all applicants. Applying it does not cost a dime, and your agent does about 90% of the work.

If your application is approved and your final rates are not to your liking, you can decline the offer and close the application. Agents have absolutely nothing to do with determining your rates; only the carrier’s underwriters have that authority. There is no cost, no risk, or obligation for you to apply; you call the shots. 


Each State Has Laws That Regulate Life Insurance Rates

Did you know that all life insurance rates are regulated by law? Running multiple quote engines from one website to another is redundant and a waste of your valuable time. Most NRA members do better than look at duplicate website information.

Insurance companies publish rates, which do not vary regardless of who you apply for. In addition, each state’s Department of Insurance strictly regulates insurance premiums. You can compare all the top insurers in our instant quoting system.

All life insurance rates are regulated by law for your protection. This means premiums for the same plan design and insurer are the same regardless of who you purchase it from.

Will NRA Life Insurance Rates Be Affected by Inflation?

As you are well aware, we are looking at a severe issue with the United States being bombarded with inflation andNRA Life Insurance leading to an adverse economy. As a result, the cost of virtually everything is going up; to say the least, it is very depressing. Along with every other product or service, insurance rates will also increase due to the higher costs the companies are experiencing.

If you need life insurance, I recommend applying as soon as possible, and you will lock in your rates. Procrastinating will only lead to higher premiums, and nobody wants to pay more than they have to. So regardless of who you buy it from, we recommend getting your application in as soon as possible. Then you can have the peace of mind that your rates will never go up along with everything else.


Can Pre-Screening Health Conditions Help Get Lower Rates?

You can run website quote engines to your blue in-the-face, but you may look at rates you may not qualify for. If you have health conditions, a hazardous occupation, or a dangerous sport, among other concerns, you need an insurance professional to review your information. Nothing is worse than applying for life insurance and having a big surprise when the application process is over.

Knowing what company to apply to is essential. An application pre-screen (if you have any medical conditions) will help your agent choose the most logical carrier based on your specific health history.  


How Can You Be Sure You Are Getting the Lowest Rates?

The best NRA life insurance quotes will mainly depend on how hard your agent shops the market for you. Reasonable rates are not good enough; you want to receive the best rates!

The easiest way to ensure you will get the best rates is to compare the rates of all of the most competitivebest nra life insurance rates companies. You may easily do this with our website’s comparison system. The rates you will see are pulled directly from each insurer’s data server. If their rates fluctuate up or down, they will immediately be reflected in our quoting tool.

We will also perform this quote comparison process for you at no cost or obligation. Knowing what options you have before you consider completing an application will give you an idea of what companies will offer you the best life insurance rates and be the smartest choice to apply with.

As I said, a medical pre-screen is recommended if you have any medical conditions. The process is free; it takes about 10-15 minutes to determine which company will offer you the lowest rates. We always communicate with several companies underwriting teams first before you ever apply. 

Having any medical condition can impact your rates. Even having a risky occupation or sport can raise a red flag. Get a 5-minute medical pre-screen and eliminate any surprises before you apply.


How Do Insurers Determine My Rates?

These are the basic categories insurers look for to determine your health classification. 

  • Health History (Medical Conditions)
  • Tobacco Use of any Form
  • Occupation (hazardous types)
  • Sports & Hobbies (dangerous types)
  • Driving Record
  • Parental Health History
  • Medications Used
  • Height & Weight
  • Credit History


Simple Mistakes People Make Shopping for the Best NRA Life Insurance Quotes

  • Many navigate from one website to another, looking at the same companies. As a result, you will repeatedly review the same companies and premiums. This is redundant and frustrating.
  • Quoting life insurance plans and using the default health class of “Preferred Best” is a rate class they may not be healthy enough to qualify for. If you have any severe health conditions, it is best to contact us for a medical pre-screen and a life insurance quote right over the phone.
  • Life insurance shoppers tend to quote face amounts that will be more or less than they need.
  • Consumers often review plan designs that they don’t fully understand and get frustrated. All they need is an agent to help them.


Did You Know Women’s Rates Are Approximately 15% Less Than Men’s?

Attention ladies, this section of the post is for you! The statistics clearly show that women. Yet life insurancebest nra life insurance companies reward them with approximately 15% lower rates than men. One of the most important reasons is that women see a doctor more often than men.

As a result, medical conditions can be found and treated much sooner. Females also typically take care of themselves better than men do. Remember that this is not my opinion; it’s a well-known medical fact.

You can compare our website quoting system rates if you are female. Check “female” in the gender menu, and female rates are lower. 


The quickest and most efficient way to shop for NRA Life Insurance is to work with an independent agent (broker) and let him do all the work for you! An agent’s assistance is free at no cost or obligation.


What Type of Life Insurance Should I Apply for?

You have three main choices in plan designs.

Term Life Insurance:

 Keep in mind that term life insurance is a temporary product. These types of plan designs will pay a death benefit for a specified period of 10-30 years. Banner Life now also offers 35 and 40-year term policies also. Term life insurance will offer you the best NRA life insurance quotes with no close second.

Universal Life:

 This permanent form of coverage, referred to as universal life, will stay in force for the entire length of the insured’s life. You can purchase it with either a cash-value option that builds interest or an inexpensive option with no cash value.

Whole Life:

 This is the oldest form of life insurance in existence. The plan, designed to be known as Whole Life Insurance, provides permanent coverage with a cash value savings component. Whole Life policies cost approximately ten times the amount that term policies do.

Term life insurance is the number one choice, with no close second. The term has the lowest premiums; you can purchase a higher face amount (death benefit) and still afford the premium. Also, the non-medical exam policies are a great choice if you want to eliminate an exam.

If you find you need a permanent policy, Universal Life will be your product. Unfortunately, whole life insurance is far too expensive ever to be cost-effective. Whole Life insurance is mainly used for final expense policies for seniors, babies, and young children. 


What Companies Have the Best Rates?

There are many excellent life insurance companies you can choose from. The best life insurance company will be the company that offers you the lowest rates. This will depend on your specific age, health, occupation, and lifestyle. We work with over 40 top-rated companies, but here is an essential list of some of the ones with the lowest rates. You can compare NRA life insurance quotes from these companies and more on our instant quoting system.

  • AIG American General
  • Protective Life
  • Prudential
  • Transamerica
  • John Hancock
  • American General 
  • Assurity Life
  • Principal Financial
  • North American 
  • Lincoln Financial
  • SBLI (Savings Bank Life Insurance)


How Many Ways Can I Apply for NRA Life Insurance?

Regardless of whether you are an NRA member, there are three ways you can apply for life insurance. Here is a breakdown of your three choices:

Paper Applications – A paper application is obsolete by today’s standards. Completing a 25-page application is far too time-consuming, not to mention the case writer cramp you will have. In addition, nobody ever enjoyed completing a paper application, and they deter some people from even applying. 

Online Applications – are acceptable, but some people find that their internet connection can slow the application. Sometimes, there will be software bugs that can create a headache for the applicant. We try to omit these types of applications.

Telephone Applications – Your third choice is the telephone application, which is the application for you, especially if you want simplicity and a considerable time-saving bonus. We use the “Snap-App” telephone application system, which makes applying for life insurance simple and fast.


In Conclusion

It always pays to read about the NRA’s Life Insurance Benefits. So don’t hesitate to contact us today; we will answer your questions and get you pointed in the right direction. In addition, we will show you all your options to feel confident in what product would be a good fit for you. 

If you decide to apply, we will walk you through the simple process one step at a time. Remember, we will be happy to answer any of your questions concerning life insurance at no cost or obligation. I hope this blog post has helped you and other members learn about the best NRA life insurance and how to get the lowest rates. So don’t forget to keep your powder dry and pay your National Rifle Associations dues.

All the best,
Jack Venturi

*If you want to protect your second amendment even further, consider joining the Gun Owners of America.

If you have questions about life insurance for NRA members, contact us today to help you at no cost or obligation. We are brokers that do not work for insurance companies. Our job is to help you get approved for the best policy for your needs with the lowest rates possible. You can also set up a time to get all your questions answered.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (708)-334-6226 and online.

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