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National Agents Alliance Life Insurance Review


ConsumersAdvocate.org Rating: 4.1 / 5 (Excellent)
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National Agents Alliance is the largest association of agents and agencies offering insurance products and services in over 48 states. The NAA offers only the latest and most accessible products by businesses with an A.M. Best rating of A or above. National Agents Alliance also holds a Better Business Bureau rating of A+ and is headquartered in North Carolina.
 
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How is National Agents Alliance rated?

Breakdown

4.0/5
Company Stability
4.3/5
Reputation
4.0/5
Policies & Coverage

Overall Rating: 4.1 / 5 (Excellent)

National Agents Alliance (NAA) operates as an insurance broker with connections to many A.M. Best graded A insurance carriers. As a result, NAA agents are not boxed into a limited set of policies and policy options they have to force on customers regardless of their particular financial needs. NAA's many relationships with companies such as Foresters, Mutual of Omaha, and Transamerica, allow their employees to offer various options to clients to find a plan that best fits their budgets and family's needs. Although the organization specializes in mortgage life insurance, they offer other types of coverage, including mortgage disability, term life, and living benefits. 

Financial Strength

Key Details

Underwriter
Depends on provider
Standard & Poor's Financial Rating
AA-
Moody's Financial Rating
A1
AM Best Financial Rating
A+

Company Stability - 4 / 5

NAA offers the most cost effective and cutting edge products only from A.M. Best graded "A" companies. Defined by A.M. Best, these are companies that the agency deem to have an excellent ability to meet their ongoing obligations. Such partners with NAA include Transamerica, Fidelity & Guarantee Life, and Kemper. Many of these companies also no doubt have equally high ratings with the other three rating agencies as well.
*The above information reflects the market share, premiums, and financial strength of the issuer of the National Agents Alliance life insurance policies: Depends on provider.

Reputation & Customer Experience

Customer Ratings

BBB Rating
A+
Date Collected
2018-06-28

Reputation - 4.3 / 5

Though many people these days are searching for an entirely online transaction, even for major financial purchases like life insurance, NAA caters to the type of discerning consumer who wants professional guidance, especially when making long term financial commitments. As an independent organization staffed by agents, you can be sure they will be providing you with policies tailored to your needs, rather than forcing a policy on you through obligation to a particular carrier. Hence, customer feedback regarding NAA trends overwhelmingly toward the positive online.

National Agents Alliance Policies

National Agents Alliance offers customers the following life insurance policies: Term, Universal Life, Guaranteed Acceptance/ Final Expense.

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums
  • Guaranteed Renewability
  • Waiver of Premium
  • Accelerated Death Benefit
  • Return of Premium

Policies & Coverage - 4 / 5

NAA shops policies from multiple local and national life insurance providers, so coverage limits, terms, plan riders, discounts, additional features, and medical exam requirements will totally depend on the particular company the agency is connecting you with. In addition to term, universal, and final expense, NAA also offers mortgage protection, tax-free retirement, spouse life insurance, mortgage disability, annuities, diabetic life, smoker life, new parent life, child savings plans, and funeral and burial.

Flexibility and Available Riders

Available Term Life Riders

  • Child Protection Rider
  • Accidental Death Benefit Rider
  • Disability Income Rider
  • Guaranteed Insurability Rider
  • Critical Illness Rider
  • Spouse Protection Rider
  • Long-Term Care Rider
  • Family Income Benefit Rider

Available Carriers

Mutual of Omaha, Foresters, Kemper, Transamerica

Flexibility & Available Riders - 0 / 5

Additional Company Information

Homepage URL
https://www.naalife.com
Company Phone
(855) 355-4034
Headquarters Address
1214 Turrentine Street, Burlington, NC, 27215
Year Founded
2002

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Top Rated
Our Partner
  • The only 100% no medical exam term life insurance
  • Ages 18 to 60 are eligible to apply
  • Term life policies $50,000-$1.5 million in coverage
  • Company offers 10, 15, 20, 25, and 30-year terms
  • Monthly premiums as low as $10
  • Featured in WSJ, CNN, Forbes, TechCrunch & Money.com
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