NRA Life Insurance (2026)

NRA Life Insurance – Find the Best Policy to Fit Your Needs & Budget in [2026]

As a proud NRA member, you stand for values like freedom, responsibility, and protecting what matters most. But have you thought about how life insurance fits into that picture?

Whether you’re a longtime member of the National Rifle Association or recently joined, life insurance is one of the most important financial tools you can use to protect your family’s future.

In this guide, we’ll explore everything you need to know about NRA Insurance, the options available to you, and how to make the smartest choice based on your unique needs.

I’m Jack Venturi, a licensed life insurance agent and independent insurance consultant. I am the founder of Best Choice Life Insurance. I’ve helped hundreds of members like you secure dependable, affordable coverage — and I’m here to help you do the same.

 

What Is Life Insurance for NRA Members All About?

The NRA offers life insurance benefits to its members, typically administered through third-party providers such as ourselves. These plans are often marketed as member-exclusive coverage and include:

• Accidental Death & Dismemberment (AD&D) Insurance – Provided at no cost (or low cost) as part of your membership.

• Group Term Life Insurance – Available at additional cost, often without a medical exam for lower benefit amounts.

• Supplemental Insurance Options – Sometimes include Critical Illness or Hospitalization benefits.

NRA-sponsored life insurance that can be purchased for a limited period of time or for long-term financial protection for your family.

 

Frequently Asked Questions About NRA Insurance

1. Does the NRA offer life insurance to its members?

Yes, the NRA provides access to life insurance products for its members, including complimentary accidental death and dismemberment (AD&D) insurance and optional group term life insurance.

These plans are offered through third-party insurance companies and are meant to provide basic coverage benefits.

2. Is NRA life insurance the best option for members?

Not always. While convenient, NRA-sponsored life insurance policies often offer limited coverage amounts and may not provide the flexibility or affordability that private life insurance carriers can offer.

Many NRA members find they can get better value and more coverage by comparing policies from top-rated private insurers.

3. What is the difference between accidental death coverage and traditional life insurance?

Accidental death insurance only pays out if the insured dies due to an accident. Traditional life insurance (such as term or whole life) pays a death benefit regardless of how the insured dies, as long as the policy is in force.

Relying only on AD&D coverage is not sufficient for most families’ long-term financial protection.

4. Can NRA members qualify for term life insurance with no medical exam?

Yes. Many life insurance companies offer no medical exam policies that are ideal for NRA members who want quick coverage or prefer to avoid a physical.

However, these policies often have coverage limits and may come at a slightly higher cost than medically underwritten policies.

5. Which life insurance companies are best for NRA members?

Our top recommended insurers for NRA members include:

• Protective Life

• Lincoln Financial

• Protective Life

• SBLI

• Prudential

These companies are known for competitive pricing, flexible underwriting, and strong financial ratings — plus, they are gun-owner friendly. This is just a small example of the life insurance carriers we work with.

6. How much life insurance do I really need?

The recommended face amount right amount depends on your unique financial situation — including debts, mortgages, income replacement needs, and future expenses (like college for your children).

A common rule of thumb is 10–15 times your annual income, but I can help calculate a custom amount for your specific needs.

7. Can I own multiple life insurance policies as an NRA member?

Yes, you can own more than one life insurance policy. Many clients choose to layer a smaller permanent life policy with a larger term life policy for cost savings and maximum flexibility.

8. Will owning firearms affect my life insurance approval?

No, responsible gun ownership does not disqualify you from getting life insurance. Our reputable companies do not penalize applicants simply for being NRA members or gun owners.

I work with carriers who are fully comfortable working with firearm owners.

9. How can I get a free quote or talk to a life insurance expert?

You can request a free quote anytime by calling me directly at 708-334-6226. As an independent agent, I’ll compare quotes from dozens of top-rated insurers to find the best fit for you.

10. Why should I use an independent agent instead of buying life insurance directly?

Using an independent agent like myself means you:

• Get unbiased advice

• Can compare multiple companies at once

• Avoid overpaying or getting stuck with the wrong type of policy

• Have someone who advocates for your best interest, not the insurance company’s

• Easy telephone enrollment process

• No or limited medical questions (for AD&D and basic term policies)

• NRA Insurance Tailored to Members

 

Understanding the Cost and Regulation of Life Insurance

One of the most reassuring facts about life insurance is that rates are regulated by law. This means:

Cost Transparency:

Your premiums will be the same regardless of which agent or agency you wish to work with.

Protection From Variations in Premiums:

State Departments of Insurance ensure that rates stay fair, protecting consumers from premium variations from one agency to another.

 

Key Steps in the Application Process

Applying for NRA insurance is simple and efficient. Here’s what you can expect:

Pre-Screening:

Your agent will gather some basic information about your health and lifestyle to identify potential challenges.

Rate Comparison:

Using a quoting system, you will be able to compare rates from multiple insurers to find the best match for your specific needs.

Telephone Application:

Complete a fast and easy application in just 15–20 minutes over the phone. 

Underwriting:

The insurer will review your health, hobbies, and other details to determine your final premium.

Policy Approval:

Once approved, you’ll receive your policy and can start enjoying peace of mind.

 

Your Life Insurance Benefits as an NRA Member

The good news is that as an NRA member, you are not limited to NRA-sponsored plans. In fact, many of the best options come from private, top-rated life insurance companies that offer:

• More Coverage

• Lower Premiums

• Greater Flexibility

• Custom Underwriting — including policies friendly to gun owners

 

 

Types of Life Insurance to Consider

Let’s break down the most common types of life insurance available.

1. Term Life Insurance

• Provides coverage for a specific period (e.g., 10, 20, or 30 years).

• Offers the most coverage for the lowest cost.

• Ideal for families with dependents or mortgages.

NRA members often choose term life insurance for its affordability and simplicity.

2. Whole Life Insurance

• Permanent coverage that lasts your entire life.

• Builds cash value over time.

• It is more expensive than term, but offers guaranteed benefits and level premiums.

3. Final Expense (Burial) Insurance

• Final Expense policies are designed to cover funeral and end-of-life expenses.

• Typically available without a medical exam.

• Smaller face amounts ($5,000–$25,000).

4. Guaranteed Issue Life Insurance

• No health questions or medical exams.

• Higher premiums and lower benefits.

• Best for those with serious health issues who have been denied coverage elsewhere.

 

Best Life Insurance Companies for NRA Members

As an independent agent, I work with over 40 top-rated insurance carriers to help NRA members find the right policy. Some of the most trusted companies include:

Lincoln Financial

• A+ rated

• Competitive term life rates

• Flexible underwriting

Protective Life

• Strong financials

• Excellent value for term and universal life

Mutual of Omaha

• Great for final expense insurance

• Easy application process

SBLI (Savings Bank Life Insurance)

• Known for low-cost term life

• Medical and non-medical options

American General

• Popular for whole life, term and burial insurance

• No-medical exam options available

All of these companies offer policies that can fit a wide range of budgets, age groups, and health conditions — and many of them are very receptive to responsible gun owners like yourself.

 

Why Should NRA Members Work with an Independent Agent?

Unlike agents who represent just one company, I work for you — not the insurance companies. That means I can:

• Shop across dozens of top carriers to find the best policy and price

• Customize coverage to fit your age, health, and financial goals

• Helps you avoid hidden fees, exclusions, and overpriced policies

• Provide free, no-obligation consultations

Many NRA members are surprised at how affordable and customizable life insurance can be when you look beyond the NRA-sponsored plans.

 

Quick Tips for Choosing the Best Life Insurance for NRA Members

• Start early — the younger you are, the cheaper your rates.

• Consider both term and permanent options, depending on your goals.

• Use an independent agent (like myself) who understands the needs of NRA members.

• Don’t settle for limited AD&D coverage — it’s not enough on its own.

 

Get a Free NRA Life Insurance Quote Today

If you’re ready to compare your options or have questions about NRA Life Insurance, reach out today.
Call me directly at [708-334-6226] for a free, personalized quote with no cost or obligation.
Make sure your family’s future is just as secure as your Second Amendment. 

 

Important Considerations for NRA Insurance

This is the most important message I can provide you with. During the application process, you’ll need to provide information about your health, hobbies, and occupation. Being upfront ensures your quotes are accurate and avoids surprises during underwriting.

 

Our Final Thoughts – Start Protecting Your Family With Life Insurance for NRA Members

Being part of the NRA means you believe in protecting what matters — your freedom, your family, your future. Life insurance is just one more way to do that.

It gives you and your loved ones peace of mind and financial security if something ever happens to you.

As a trusted insurance agent and NRA supporter, I’m here to make the process simple, transparent, and affordable. Let’s work together to find a plan that fits your life — not a one-size-fits-all option. 

All the best,
Jack Venturi