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Life Insurance for NRA Members

life insurance for NRA members

Life Insurance for NRA Members – Complete Intuitive New Guide for [2022]

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 all of 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 purchasing a life insurance policy.

When the 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 a lot of good benefits but the most important benefit they have is standing guard against the gun grabbers who are now out of control.

A 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 change in their lifestyle if something should happen to you. Now, I will show you how to get the best rates you can qualify for.



Depending on your age, life insurance quoting rates can increase by 3.5 to 9% each year. When you apply, you will be locking in your rates and keeping your premiums level.


How the Process Works From Start to Finish

The complete application process is very simple and has been streamlined to make it simple and quick for all applicants. 

*The first step is to connect with an independent agent otherwise known as a Broker such as ourselves. We representnra life insurance 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 for you to apply with. This will be based on your health, smoking status, if you have a dangerous occupation, and so forth. Keep in mind that insurance companies all have their own underwriting criteria, so choosing the correct company is crucial. You don’t choose a company because you like its name.

*Once you know what insurer would be the most applicable one to apply with, you can simply apply by phone. The telephone applications take about 15 minutes which is a breeze compared to completing a 30-page paper application like in the years past.

*Regardless of whether you are an NRA member or not, you will be working with the life insurance company for most of the process. The life insurance companies will process your application and your agent will be watching over the process and there to always answer any of 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. The whole goal is to get the best possible health classification so you can receive the lowest premiums.

*We will then inform you what your premiums will be 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. Always remember, you do not have to accept an offer and can terminate the policy if you wish. 


How We Help You Find the Lowest Premiums

1. We shop the largest selection of A+ rated life insurance companies for our clients as a standard procedure. 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 make sure we know what companies will offer the lowest rates possible.

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 company 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 on our part but this is what a good agent is simply supposed to do.


Each State Has Laws That Regulate Life Insurance Rates

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

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


Will 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 andterm life insurance with inflation leading to an adverse economy. As a result, the cost of virtually everything is going up, and 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 then you will be locking in your rates. Procrastinating will only lead to higher premiums, and nobody wants to pay any 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 you’re blue in the face, but you may be looking at rates that 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. There is nothing 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?

Your life insurance rates will mainly depend on how hard your agent shops the market for you. Good rates are not good enough, you want to receive the best rates!

The easiest way to make sure you will get the best rates possible is to compare the rates of all of the most competitivebest nra life insurance rates companies side by side. 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. So if their rates fluctuate up or down, they will immediately be reflected on 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 before, if you have any medical conditions, a medical pre-screen would be highly recommended. The process is free, and it takes about 10-15 minutes to determine what specific company will offer you the lowest rates. We always communicate with several companies underwriting teams first before you ever apply. 

Having any medical conditions 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 the 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


Common Mistakes Most People Make When Shopping for Life Insurance

*Many people navigate from one website to another, looking at the same companies. As a result, you will repeatedly be reviewing the same companies and premiums. This is redundant and frustrating.

*Quoting life insurance plans and using the default health class of “Preferred Best,” where in reality, this is a rate class they may not 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 outlive their male counterpartslife insurance for nra members. Yet, the life insurance companies reward them with approximately 15% lower rates than men. One of the most important reasons for this is women see a doctor more often than men do. As a result, medical conditions can be found and treated much sooner.

Females also typically take care of themselves better than men do. Keep in mind that this is not my personal opinion; it’s a well-known medical fact. You will compare our website quoting system rates if you are a female. Check “female” in the gender menu, and female rates are lower. 


The quickest and most efficient way to shop for 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 with 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 plan designs will pay a death benefit during a specified period of 10-30 years. Banner Life now offers 35 and 40-year term policies also. 

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 the more inexpensive option with no cash value.

Whole Life:

 This is the oldest form of life insurance in existence. The plan design 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 absolutely no close second. The term has the lowest premiums, and because of this, you can purchase a higher face amount (death benefit) and still be able to afford the premium. Also, the no-medical exam policies are a great choice if you want to eliminate an exam.

If you find you need a permanent policy, Universal Life would 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 best 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 all these companies and more on our instant quoting system displayed.

  • Banner Life
  • 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 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 on today’s standards is obsolete. Completing a 20-page application is far too time-consuming, not to mention the case of writer cramp you will have. In addition, nobody ever enjoyed completing a paper application, and they deter some people from even applying. 

Online Applications – 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 also.

Telephone Applications – Your third choice is the telephone application, and this 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 Life Insurance Benefits. Don’t hesitate to contact us today, and we will answer all your questions and get you pointed in the right life insurance 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 NRA members learn more about life insurance and how to get the best rates. So don’t forget to keep your powder dry and keep paying your NRA dues.

All the best,
Jack Venturi

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

If you have any questions about life insurance for NRA members, contact us today to help you with 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 at your convenience 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 (800)-897-5699 and online.

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