Business Details
27 Years
experience
Trusted Life Insurance Solutions for Working Families in New York
National Income Life Insurance has been dedicated to serving working families in New York since 1999, providing personalized life insurance solutions through in-home consultations. Our union-rooted values drive our commitment to financial strength, community support, and customer-centric service. With over $8 billion in life insurance policies as of 2024, we prioritize permanent, portable coverage that adapts to life changes. Our A.M. Best A (Excellent) rating reflects our stability and ability to meet policyholder obligations. We actively champion labor rights, environmental sustainability, and fair economic practices while maintaining a 100% union workforce from field representatives to executive leadership.Our innovative agent compensation programs and high customer satisfaction rates have fueled sustained growth even as other insurers downsize. Through initiatives like our free Child Safe Kit program and partnerships with 45+ international unions, we combine industry expertise with actionable community support. Our supplemental insurance offerings complement existing coverage, ensuring comprehensive protection for families during life's most challenging moments.
Services
Life Insurance
Supplemental Insurance
Child Safe Kit
Portable Coverage
Health Claims
Details
- Year established: 1999
Highlights and features
- We offer 100% union-backed insurance services with field-to-executive workforce integrity
- Our A (Excellent) A.M. Best rating demonstrates proven financial strength since 1999
- We provide portable insurance coverage that stays with policyholders through life changes
- Our Child Safe Kit program offers critical child protection resources at no cost
- We maintain a 100% union workforce while expanding job opportunities in the insurance sector
Associations and certifications
- A.M. Best Company
Services
Life Insurance
We provide permanent life insurance policies designed to protect families during difficult times. Our policies offer financial security through death benefits that help cover funeral costs, outstanding debts, and future living expenses. Available in individual, single parent, and family configurations, our coverage remains portable even when policyholders change jobs or relocate.
Supplemental Insurance
Our supplemental insurance products complement existing coverage with specialized protection options. These policies help bridge gaps in traditional insurance plans by covering unexpected medical expenses, disability income replacement, and critical illness costs. Designed for working families, our supplemental plans maintain affordability while providing essential financial safeguards during life transitions.
Child Safe Kit
This free program provides parents with essential child identification resources for emergency situations. The kit includes documentation templates, biometric recording guidelines, and rapid response procedures to assist in child recovery efforts. Developed for quick access during critical moments, our Child Safe Kit program demonstrates our commitment to family safety beyond traditional insurance offerings.
Portable Coverage
Our insurance products maintain policyholder protection through life changes like job transitions or relocations. This portability ensures continuous coverage without policy cancellation risks. Designed for working families' dynamic lifestyles, our portable policies retain value and benefits regardless of employment status or geographic location changes within our service areas.
Community Programs
We support labor unions, environmental sustainability, and fair economic initiatives through active community engagement. Our programs include food banks for striking workers, union advocacy, and partnerships with 45+ international labor organizations. These efforts extend our mission beyond insurance, creating tangible benefits for policyholders' communities through direct action and policy advocacy.
Questions
What life insurance options are available for working families?
We offer permanent life insurance policies tailored for New York working families, including individual, single parent, and family coverage options with portable protection that remains valid through job changes or relocations.
How do I file an insurance claim with NILICO?
Claims can be filed through our online portal or by contacting our customer service team at 800-516-4466 during business hours (Monday-Friday, 9:00 AM - 5:30 PM Eastern Time).
What is the Child Safe Kit program?
Our free Child Safe Kit provides parents with pre-prepared documentation templates and emergency response procedures to help protect children during critical situations when immediate action is required.
Does NILICO work with labor unions?
Yes, we maintain active partnerships with over 45 international unions and operate as a 100% union-backed company, offering specialized insurance benefits for union members across New York state.
What financial strength ratings does NILICO hold?
We maintain an A (Excellent) Financial Strength Rating from A.M. Best Company as of October 2024, reflecting our ability to meet policyholder obligations and sustain long-term stability.
Reviews (4)
Patricia Langstaff
Mar 04, 2022
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Informed & personalized service at its best. These people were nothing but amazing to do business with! My agent had an emergency & had to reschedule my appointment & they threw in an extra $2K coverage for my family. A breath of fresh air.
Meghan Wisner
Nov 08, 2021
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Stephanie Olsen was an amazing representative! Very personable and funny. She explained everything so well and made our decision to join nilife an easy one.
James Lamica
Jun 16, 2021
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I would like to state that Therese Hon did a wonderful job in presenting the information of our insurance policy under AD&D. She was very knowledgeable and professional in her presentation. Donna and James Lamica
IcEyCuDa
Jun 15, 2021
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Had the pleasure of speaking with Jacob Shirk about my options for policies. His expertise shows in his knowledge of the options I had available, and he helped guide me to the choice I felt most comfortable with. Overall great experience.
