If you are shopping for life insurance for NRA members, this article should answer many of your questions. As a gun owner, you should certainly know that the greatest pro-gun organization in America is the National Rifle Association. If we did not have the NRA standing guard, we would have long lost our Second Amendment rights.
We will go over what you need to know to get the best life insurance rates. Purchasing life insurance is a very simple process especially when you have an independent agent helping you. Let’s dive in and learn how to get the best life insurance policy for the lowest premium possible.
YOUR NRA MEMBERSHIP OFFERS A WORLD OF VALUE FOR A VERY AFFORDABLE FEE.
There are many benefits offered by the NRA that any member can take advantage of from credit cards. To discounts on motels and rental cars and everything in between. As gun owners, this is an organization that we must be part of. So we may preserve our right to keep and bear arms. It is unfortunate that NRA members have to carry thousands of gun owners all over the country. These gun owners are just too cheap to purchase an NRA membership. If all gun owners were NRA members the increase in the NRA’s funds and manpower would be incredible.
LESSON #1: THE NATIONAL RIFLE ASSOCIATION DOES NOT SELL LIFE INSURANCE. THEY ARE SIMPLY AFFILIATED WITH AN INSURANCE AGENCY IN CALIFORNIA THAT DOES.
THERE ARE NO DISCOUNTED RATES AS THE NRA CLEARLY EXPLAINS ON THEIR WEBSITE. THESE ARE NOT EXCLUSIVE PRODUCTS AND THEY ARE AVAILABLE THROUGH ANY INSURANCE AGENCY.
The affiliated agency is “Life Insurance Central” located in California. This agency cannot sell life insurance for a penny less than any other agency in the United States. What does this mean to consumers planning on purchasing life insurance? This means life insurance rates are regulated by law in each and every state. The premium you pay will be based on your agents efforts shopping the market for you.
I would never tell anyone not to buy your life insurance through the NRA program. I am highly recommending you to shop around and talk to a few agents that specialize in life insurance and get their quotes and recommendations. Getting the best plan design, company and lowest premium will be from an independent agent than a big call center. Do yourself a favor and shop around. Do you want to be a name to your agency or just a number? Getting the lowest rates will be a by-product of how much hard work your agent puts into shopping the market for you.
NOT ALL AGENTS ARE CREATED EQUAL WHEN SHOPPING FOR THE BEST LIFE INSURANCE RATES.
Some agents just use a handful of companies that they use for every life insurance request. The better agents shop the life insurance market hard. They want to make sure they place their applicant with the company that will offer the lowest rates possible. We use over 40 of the most trusted and competitive companies to make sure we come through with the lowest rates every time.
GETTING THE LOWEST RATES WILL DEPEND ON THE WORK PERFORMED BY YOUR INSURANCE AGENT.
Our quoting system will display immediate life insurance quotes from the best life insurance companies in America. You will also see that we give you a very comprehensive list of companies so you can see all your options. There are a lot of new plan designs that offer great benefits for when you are alive also. These life insurance with living benefits offer much more value to a conventional Term life insurance plan design. They only cost about 8% more than a standard Term policy also.
ALL CONSUMERS HAVE MANY OPTIONS WHEN PURCHASING LOW COST TERM LIFE INSURANCE.
Keep in mind that when you purchase life insurance from a life insurance company such as Banner Life. Or others like SBLI, John Hancock, Mutual of Omaha, Transamerica, Protective Life, AIG, Prudential and many more. You are applying with some of the best companies in the nation.
Choosing the most applicable company for you age, health history and life style is extremely important. All the companies underwrite their applications differently that one another. Life insurance is not a one size fits all type of product.
WHY DO WE CLAIM TO BE ABLE TO HELP YOU SECURE THE BEST LIFE INSURANCE RATES POSSIBLE? WE CAN’T SETTLE FOR LESS, OUR REPUTATION DEPENDS ON IT.
It takes a lot of effort to organize one of the largest choices of competitive life insurance companies. It takes a lot of effort to pre-screen medical conditions, dangerous occupation, or sports you may have. If you go on the internet, you will see a number of websites with a life insurance quoting system. You can get free life insurance quotes very similar to ours. Purchasing life insurance for NRA members should always be a simple process, but you must use a professional approach.
USE OUR FREE QUOTE ENGINE TO COMPARE THE BEST ONLINE LIFE INSURANCE QUOTES FOR YOURSELF.
The quoting system we use is the latest technology and always has up to date accurate rates. These are the best rates from all the best life insurance companies in the US. Visit our blog post The Top 12 Best Term Life Insurance Companies to review the best companies available in America. Finding the best life insurance rates revolves around using a lot of elbow grease shopping the market for you. Thanks to the internet, finding the best life insurance for NRA members is a snap.
YOUR RATE CLASS IS ONE OF THE KEY ELEMENTS WHEN DETERMINING WHAT YOUR PREMIUM WILL BE.
I am sure you have had some exposure to the terminology of the various rate classes such as “Preferred Plus”. Also, “Preferred”, “Standard Plus” and “Standard”. These are the main rate classes a typical applicant would fall into. The key is to be placed in the very best rate class that you can apply for and be approved for by the life insurance company underwriting department. The best rate class means the lower the rates. These are also referred to health classifications.
Our job is to use the most applicable life insurance company that will offer you the best rates for your specific health history and lifestyle. At the same time we work hard with the underwriters to place our applicants into the very best rate class possible. Also knowing how to work with “rate bands” makes a big difference.
THERE IS A LOT MORE WORK THAT AN INDEPENDENT AGENT HAS TO DO BEHIND THE SCENES TO FIND THE BEST LIFE INSURANCE RATES.
This takes time but we don’t give in to the final approval results of the application. Especially if there is any chance that we can promote the carrier to squeeze you into the next best rate class. Such as preferred in preferred plus or standard into standard plus. This can have a very serious impact on your premium where it will drastically lower your premium.
DISPLAYING LOW RATES ON A QUOTE ENGINE IS ON THING. COMING THROUGH WITH THE BEST LIFE INSURANCE RATES AFTER THE UNDERWRITING HAS BEEN COMPLETED IS ANOTHER.
After we submit an individuals application we work closely with the medical underwriters. We make sure our applicant will be placed in the very best rate category he can qualify for. This rate classification and the most applicable company are the two main ingredients. This is to achieve being approved with the lowest premiums. This extra elbow grease is what it takes to receive the lowest rates. If we are not satisfied with companies decision on the final outcome. We will send the application to another company to be reviewed by their underwriting team as well.
THERE ARE A NUMBER OF VARIABLES THAT HAVE TO BE CONSIDERED BEFORE YOU ACTUALLY APPLY FOR LIFE INSURANCE.
Simply diving into an application which is very common will normally never produce the final results you are looking for. Which is simply the lowest rates you can qualify for. Here is a basic list of key ingredients to take into consideration before you choose the most applicable life insurance company.
- 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
If you apply for low cost Term life insurance and you do not consider these very important conditions. You will most likely have a snag in your application process. Because the life insurance companies thoroughly cover everyone of these categories. They base their final rates on everyone of these categories. Choosing to correct life insurance company will be the single most important decision you and your agent need to make.
ALL THE BEST LIFE INSURANCE COMPANIES UNDERWRITE THEIR APPLICATIONS DIFFERENTLY THAN ONE ANOTHER.
Keep in mind that all life insurance companies underwrite their applications differently. For example this means that Prudential might be the company of choice for Bill. But American General will be the best choice for Betty. Life insurance has to a custom fit for each and every applicant.
This planning process consumes more of an agents time. Some agents recommend a specific company without taking the extra time and just hope things work out. In our office that is simply not good enough. We base our reputation on helping people find the best Term life insurance rates. Also, combined with the most applicable plan design for his or her needs.
WE SPECIALIZE IN LIFE INSURANCE AND RESEARCH COMPANIES AND PLAN DESIGNS TO ALWAYS HAVE EXCELLENT PRODUCT KNOWLEDGE.
We specialize in helping people find the best life insurance at the lowest rates. Without any confusion or surprises during the application process. We do not sell homeowners or auto insurance and provide life insurance as a sideline. Life insurance is our bread and butter product line. Life insurance is not a one size fits all type of insurance product. So we work with the largest selection of companies to make sure we researched all your options. Purchasing life insurance should always be a nice smooth process for the agent and the applicant alike. Our number one goal is making sure we find the lowest possible rates for our life insurance clients. This is done by utilizing over 40 trusted life insurance companies to make this happen.
MOST LIFE INSURANCE APPLICATIONS ARE FULLY UNDERWRITTEN WHERE VARIABLES SUCH AS YOUR HEALTH HISTORY AND LIFESTYLE ARE CAREFULLY WEIGHED.
Life insurance is normally fully underwritten insurance product. This means that any medical conditions, dangerous occupations and hobbies are fully taken into consideration. These have an impact of the final rates which will be generated after the application process has been completed. There are No Medical Exam Life Insurance plan designs that have a 24 hour application approval time. This is also an option to consider especially if you need life insurance quickly for what ever reason.
The insurance companies medical underwriters have the final decision when deciding what the final life insurance rates will be. Working closely with the underwriters is the best way to secure the lowest rates.
Our job is to work with the underwriters to promote them to place you in the very best rate class. This will have an incredible impact on your final premium. A lot of work goes into the application process. Your agent is the one that can make a considerable difference in getting you the most competitive rates.
WORKING WITH AN INDEPENDENT AGENT THAT SPECIALIZES IN LIFE INSURANCE IS THE KEY TO GETTING THE LOWEST RATES.
The reason for this is your independent insurance agent and yourself build a bond and inevitably work as a team. This is to make sure you get the best results from any life insurance company you apply with. The most important job that an agent has is to locate the very best life insurance product for his client. Not to mention his or her budget.
This is what we do with each client that wants to apply for a low cost Term life insurance. The normal underwriting turnaround time will usually be between 30 – 60 days. The life insurance companies take their time to make sure everything is taken into consideration for the applicants best interests. If you choose No Medical Exam life insurance, the turnaround time could be less that 24 hours. No Medical Exam life insurance is especially good if you need life insurance fast.
WE COMPARISON SHOP LIFE INSURANCE RATES WITH AN ARSENAL OF OVER 40 OF THE BEST LIFE INSURANCE COMPANIES.
If there are medical conditions or high risk occupations or hobbies. We we will pre-screen them so there will be no surprises later when the application is in the underwriting department. We spend considerable time doing this so our clients get the most affordable life insurance rates possible.
FEEL FREE TO ACTIVATE OUR LIFE INSURANCE QUOTE ENGINE AND COMPARE IMMEDIATE LIFE INSURANCE QUOTES.
Our approach is based on personalized service with a one on one assistance with an insurance agent. The independent agent has a personal interest to help you with finding the best life insurance policy for your needs over a simple call center. The big call centers have many people answer the phone. You are actually more of a number than a person they are trying to help.
After the application process begins there is quite a bit of work for the agent. He has to make sure you are going to get the best decision from the companies underwriting team. The agent has to oversee the application process just as the National Rifle Association monitors the lawmakers when they are trying to repeal our second amendment rights.
WE USE QUICK AND SIMPLE TELEPHONE APPLICATIONS THAT USUALLY TAKE ABOUT 20 MINUTES TO COMPLETE.
For many years people have be completing long 20 page paper applications to apply for their life insurance. Now we have advanced to using online applications and applying over the phone. Telephone applications allow you to explain your answers so there is no miscommunication.
WE CAN MAKE PURCHASING LIFE INSURANCE A NICE SMOOTH PROCESS AND ENSURE YOU RECEIVE THE VERY BEST RATES.
Shopping for life insurance for National Rifle Association members can seem a little confusing we you don’t have any professional help. We utilize the most trusted of life insurance products from over 40 of the best life insurance companies everyday. There are a lot of choices to consider and you want to make sure that you’re always making the best decisions possible. Contact us today and we will answer all your questions over the phone, we’re here to help you.
GIVE US A CRACK AT EARNING YOUR BUSINESS. WE GUARANTEE THE BEST LIFE INSURANCE RATES POSSIBLE!
We can be reached by telephone toll-free, by calling 800-897-5699 7 days a week. Visit our About Us page and learn more about us and our business.
Download our free eBook and learn more about life insurance.
HERE ARE SOME EXCELLENT PRO-GUN ORGANIZATIONS THAT HELP KEEP AND PROTECT OUR GUN RIGHTS. THEY HAVE BEEN BROKEN DOWN BY STATES.
Gun Owners of America. Jews for the Preservation of Firearms Ownership. National Association for Gun Rights. Second Amendment Sisters. International Practical Shooting Confederation. National Rifle Association (NRA). Second Amendment. The (NSSA) National Skeet Shooting Association. National Sporting Clays Association. Amateur Trapshooting Association. Pink Pistols, Citizens Committee for the Right to Keep and Bear Arms. Women Against Gun Control. Pacific International Trapshooting Association. Zone 7 Skeet. Firearms Policy Coalition. Fifty Caliber Shooters Association.
Alabama Gun Rights. Alabama Open Carry. Alaska Outdoor Council Alaska Machine Gun Association. Alaska Gun Collectors Association. Alaska Interior Marksmanship Committee. Alaska Rifle Club. Arizona Citizens Defense League. Arkansas Carry. Gun Owners of California. Calguns Foundation. Rocky Mountain Gun Owners. Connecticut Gun Rights. Coalition of Connecticut Sportsmen. Connecticut State Rifle & Revolver Association Inc.
Connecticut Citizens Defense League, Northeast Combat Pistol League. Northwest Connecticut Sportsman’s Council. Ye Connecticut Gun Guild, Inc. Delaware State Sportsmen’s Association. Florida Carry. Second Amendment Coalition of Florida. Georgia Carry.
Georgia Sport Shooting Association. Hawaii Rifle Association. Lewis-Clark Wildlife Club Idaho State Rifle and Pistol Association Illinois Carry. Guns Save Life. Illinois State Rifle Association. 2nd Amendment Patriots. Guns Save Life. Iowa Gun Owners. Iowa Firearms Coalition. Kentucky Coalition to Carry Concealed. Second Amendment Sisters – Louisiana. Louisiana Shooting Association. Louisiana Sportsman. USPSA Louisiana Section. Bayou Shooter.
More State Organizations:
Gun Owners of Maine. Maine Gun Owners Association. Maryland Shall Issue. Maryland Citizens for the Right to Keep and Bear Arms. Maryland Shooters. Gun Owners’ Action League. Lawful And Responsible Gun Owners. Michigan Gun Owners. Michigan Coalition of Responsible Gun Owners. Michigan Rifle & Pistol Association.
Michigan Open Carry. Gun Owners Civil Rights Alliance. Western Missouri Shooters Alliance. Gateway Civil Liberties Alliance. Second Amendment Coalition of Missouri. Montana Shooting Sports Association. Nebraska Firearms Owners Association. New Hampshire Firearms Coalition. Gun Owners of New Hampshire. Pro-Gun New Hampshire. New Jersey 2nd Amendment Society. New Jersey Coalition for Self Defense.
New Mexico Shooting Sports Association. New York State Rifle and Pistol Association. Shooters Committee on Political Education. Sportsmen’s Association for Firearms Education. Grass Roots North Carolina. North Carolina Rifle and Pistol Association.
More State Organizations:
Ohioans for Concealed Carry. Buckeye Firearms Association. Oklahoma Open Carry Association. Oregon Firearms Federation. Oregon Gun Owners. Oregon State Shooting Association. Pennsylvania Firearm Owners Association. GrassRoots South Carolina. Gun Owners of South Carolina. South Dakota Gun Owners. Tennessee Firearms Association. Lone Star Citizens Defense League.
Peaceable Texans for Firearms Rights. Texas State Rifle Association. Gun Owners of Utah. Utah Shooting Sports Council. Gun Owners of Vermont. Virginia Citizens Defense League. Virginia Gun Owners Coalition. Washington Arms Collectors. West Virginia Citizens Defense League. Wisconsin Carry, Inc., Wisconsin Firearm Owners. Ranges, Clubs & Educators. Wyoming Gun Owners.