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Individual Term Life Insurance

Trust our family to protect yours.

NRA-endorsed life insurance puts family first … your family.

Individual Term Life Insurance

Give your family the protection they need should the unexpected happen.

Individual Term Life Insurance

There is nothing more important to you than the people you love – and we understand that.  That’s why we give NRA members the opportunity to protect their family’s financial security… with NRA Endorsed Individual Term Life Insurance.

You could pay as low as $12 per month for a $250,000 10 year term life policy* (for a healthy, non-nicotine using member age 40) to help your loved ones get by financially – and keep their dreams for the future alive.  This protection stays with you even if you change jobs and these benefits are paid immediately, so your family can take care of daily expenses such as:

  • Mortgage payments
  • Utilities
  • And groceries

Thousands of NRA families have already benefited from this life insurance coverage and so can you.

Start comparing rates online and get a free quote today, or call us at 1 (800) 756-6452, ext. 9546.

*Sample premiums at issue age 40 of $10.50-female and $11.16-male are the level monthly bank draft premiums for $250,000 10-year term life insurance for the non-nicotine user, healthiest, Preferred Best Rate Class ING TermSmart 10 policy form #1177R issued and subject to underwriting review and approval by ReliaStar Life Insurance Company, Minneapolis, MN, a member of the ING family of companies. Product and features subject to state availability. Rates are current as of 2/1/2008 and are subject to change. Two-year suicide and contestability provisions apply; one-year suicide provision in some states. This policy has exclusions and/or limitations. For costs and complete details of the coverage, call the Insurance Central toll free number above. Rates after the guaranteed level premium period increase annually to age 95. Minimum face amount for ING TermSmart is $100,000. In MT use male rates only. Premiums shown include an annual $50 policy fee ($60 for $100,000). ING TermSmart not available in NY. Products offered in most states through Insurance Central, CA DOI Lic. #OC26165. Click "Licensing/Legal Information" link for details. Other than Reliastar Life Insurance Company and Reliastar Life Insurance Company of New York (Woodbury, NY), other entities listed on this website are not affiliates of the ING family of companies.

Our members deserve nothing less.

Click Get A Quote, or call 1-800-756-6452 ext. 9546

We Go the Extra Mile

We use our experience and access to leading insurance companies to bring you affordable, quality coverage to protect your family’s financial future.  As an NRA member, you could save up to 70% on a term life insurance policy.

Let us help you select an insurance company and term policy that best fits your needs – regardless of age, occupation or health conditions. Every company we represent has earned a Best's Rating of A (Excellent) or better by A.M. Best Company.

Our members deserve nothing less.

Click Get A Quote, or call 1-800-756-6452 ext. 9546

Helping You Make the Right Choice

Rates can vary between carriers, which is why we encourage you to compare different insurance companies and their policies to see which offers the most competitive rate for Term Life Insurance.

Our goal is to help you find the right life insurance protection at the lowest rate possible. By representing only quality companies, we take your individual needs and help you identify the protection you need at a cost you can afford.

Get started today and see how much you can save on term life insurance. There is no obligation.

Click Get A Quote, or call 1-800-756-6452 ext. 9546

1. Policy Beneficiary's Living Expenses

Annual Expenditures Years
With dependents
Without dependents
Groceries, clothing, utilities, gasoline, insurance, travel, charitable contributions, etc.

2. Education Expenses

Annual Expenditures Years
Child 1
Child 2
Child 3
Child 4
Pre- and post- secondary school expenses per child. Current average college tuition: public - $10,000 per year; private - $20,000 per year. Also, consider other substantial expenses: books, room & board, etc.

3. Policy Beneficiary's Debt

Annual Expenditures
Home loan
Car loan(s)
Home equity loan
Credit Cards
Other debt
Estimate the amount needed to pay off each of these debts, as applicable.

4. Final Needs Expenses

Annual Expenditures
Funeral expenses (typically $5,000 to $7,000). Medical expenses not covered by insurance (typically $5,000). Probate or administrative expenses (typically 5% of estate value).

5. Policy Beneficiary's Income and Benefits

Annual Expenditures Years
Annual income
Social Security
Other retirement
Life Insurance Coverage
Beneficiary's annual after-tax wages and investment income. Annual Social Security benefits. Other annual retirement or pension income. Your current life insurance coverage (only if kept in force).

The calculator does not take into account inflation (currently estimated at 3.96%- 4% per year) or other factors that affect your future needs, which you may want to discuss with a Life Insurance Central Licensed Representative.

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Quick Calc

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Annual Income