1. What is an Affinity product?
Affinity products were created to serve professional risk groups, i.e., attorneys, CPAs, etc. Affinity products combine group rates with important individual coverage features , such as “Own Occupation” disability coverage and guaranteed renewable, high limit term life insurance.

2. What is Franchise Disability coverage?
A hybrid of individual and group disability insurance, Franchise coverage merges the best of both products. NIA’s franchise disability income coverage provides an individual, “own-occupation” contract on a group rate structure. This is how Affinity products work in tandem to deliver the most comprehensive coverage needed, in the most cost-efficient manner.

3. What makes NIA Term Life Insurance Plans better?
NIA’s policies offer low level rates and long term security. You don’t have to give up your future security to get low rates. NIA’s term life plans are guaranteed renewable to age 75. When your level period ends in the 11th or 21st year, you can continue your coverage in our affordable Ultimate plan. Ordinary term products require full medically underwritten reentry, or prohibitively expensive renewal rates.

4. I dropped my membership, what happens to my coverage?
Once you sign up, your coverage is yours to keep. Unlike ordinary group products, NIA policies cannot be cancelled due to a change in membership status.

5. Is this different from the insurance available online?
Very. Online life insurance policies cost exactly the same as those you would buy from a local agent. Policies and rates are required by the insurance department to be the same. You don’t “save a commission”. You give up service and control.

NIA affinity policies are available in person, by mail, fax, and online through Affinity brokers like NIA. These policies are unique to the market and offer a truly different product and service experience.

6. National Insurance Agency? Where is that?
We’re here in Louisville, where we’ve been since 1927. Our name came about when Shorty Long left National Life of Vermont to be an independent agent. It was the Depression and Shorty said, “Son, new signs cost money.”… so we replaced “Life of Vermont” with “Insurance Agency” and the NIA was born.

We launched the KBA Life Plan in 1957 and went on to pay millions in benefits to Kentucky’s professionals and their families.

Helpful Links for our NIA Clients: