All partner union members are provided with free Accidental Death and Dismemberment benefits, and their partners and children also receive free Accidental Death insurance. These policies are active 24/7 and not just when the union member is working so it provides a genuinely beneficial and hard working insurance policy to all.

The only return that NILICO asks for, in exchange for providing these services, is the opportunity to send direct mailing to the policy holders with details of further insurance policies. If a member wants to learn more they simply fill in a card to express their interest and return it to NILICO. Only then, will an agent make contact to discuss further insurance.

National Income Life Insurance operates directly and solely through unions with no cold calling sales methods used. An agreement is reached between a representative and the union, and union members then receive free Accidental Death and Dismemberment insurance coverage that is active during and out of working hours. Union members are also contacted by direct mail with details of other insurance policies that may prove advantageous.

Union members that are interested in taking out supplemental insurance fill in a simple form and return it. These qualified leads are then passed onto a network of representatives so that they can determine eligibility and, where required, complete the deal.

Union group members, including retirees, receive Accidental Death and Dismemberment benefits from National Income Life. Benefit coverage is constantly in effect, on or off the clock. An additional Accidental Death benefit is giving to spouses and children of members. These benefits are provided to union members at no cost to them.

The only thing National Income Life wants in return for providing these benefits is the opportunity to introduce the permanent benefit program to union members. The company accomplishes this through directly mailing the members. If a member replies to the mailing through a postage-paid card, then National Income Life will contact them about individually designed benefit programs for their family.

If any changes need to be made to a member’s name, address, or miscellaneous information, they can be done through National Income Life’s website. For those members who sign up for supplemental benefits, premiums can be debited from a bank account. Premium notices can be E-mailed to members if they prefer to pay the bill online. Union members can also obtain claim forms on the website.