I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 19, 2021

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Launched in 2002, National Agents Alliance is an agency whose stated mission is to always serve the will of its clients, pairing them with the insurers that offer the products and best meet their needs.

NAA agent representatives live by the motto: “Your clients don’t care how much you know until they know how much you care.”

Find out everything you need to know about National Agents Alliance Life Insurance in this complete review.

National Agents Alliance Company Overview

national agents alliance logoThough headquartered in Burlington, North Carolina, NAA has agent representatives throughout the contiguous U.S.

Given that it serves as more of a middleman, NAA doesn’t have an ascribed underwriter but is affiliated with a dozen life insurance providers that include Mutual of Omaha, Foresters, Fidelity & Guaranty Life, Columbian Life Insurance Company, TransAmerica, Fore Though and Kemper.

NAA also specializes in matching current or prospective policyholders with a broad range of coverage offerings, such as mortgage insurance, term life insurance, universal life, smoker life insurance, and annuities.

Financial Strength

Because NAA is a marketplace, it’s not given financial ratings by independent agencies such as Standard & Poor’s, Moody’s Financial, or AM Best. However, NAA only partners with financial service providers rated A or above by AM Best.

This fact alone can give policyholders comfort in knowing that agents will only pair them with a company that is sufficiently leveraged. The Insurance Information Institute provides guidance on how the financial strength evaluation system works and why the same arrived-at letter grade between agencies may need to be interpreted differently.

Company Ratings and Customer Service

The Better Business Bureau gives NAA a C- rating, suggesting that National Agents Alliance reviews are less than stellar. In the last three years, customers filed 20 complaints through the BBB and seven in the last 12 months (as of 5/23/19). Although high, this is to be expected, given NAA is affiliated with several financial service entities.

NAA has also been accused of specious advertising, allegedly stating it’s the nation’s “No. 1 provider of mortgage protection insurance” without evidence.

  • Homepage URL: http://www.naalife.com
  • Company Phone: 844-305-7723
  • Headquarters Address: 1214 Turrentine Street Burlington, NC 27215

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NAA Life Insurance Policy Options

NAA does not underwrite its own policies, but rather recommends them to customers by pairing clients with affiliate insurers and agency representatives. The plans that these member companies offer are wide-ranging:

Mortgage Protection Coverage: As its title suggests, this product is a form of life insurance that will pay off the outstanding amount on a home loan should the homeowner pass away. Its length is usually the matching number of years on the mortgage (typically 30 years).

Mortgage Disability Coverage: Should the policyholder be grievously injured and unable to earn a living as a result, this product offering can make up the difference.

Term Life Insurance Coverage: The most common life insurance product on the market, term life covers an individual for a specific period of time and pays for final expenses. It’s ideal for people who are experiencing transition or aren’t certain about their next move.

Universal Life Insurance Coverage: An insurance product with flexible premiums that offers guaranteed cash value; the balance of premium payments are credited to the policy with interest and can be used as a savings vehicle.

Living Benefits Coverage: Most benefits are payable upon death; with this policy in place, claimants can take advantage of them on an as-needed basis, the likes of which include disability income, accelerated death benefit and waiving of premiums due to unemployment.

Spouse Life Insurance Coverage: If a husband or wife passes, spouse life insurance can pay for the events associated with the funeral. It can also supplement the living spouse’s income if his or her deceased partner worked.

Final Expense Coverage: A whole life insurance variety that addresses unattended costs that need to be addressed in the event of death, such as burial, funeral expenses and existing debts.

Funeral & Burial Insurance Coverage: According to the National Funeral Directors Association, a traditional funeral in the U.S. typically runs between $5,000 and $10,000. This product provides grieving families with the resources to pay for these expenses.

Diabetic Life Coverage: Approximately 1.5 million Americans are diagnosed with diabetes annually, according to the American Diabetes Association. The product is exclusive to people with this condition and enables them to obtain coverage affordably.

Smoker Life Insurance Coverage: With roughly 20% of the nation still lighting up, millions of whom are trying to quit, this type of life insurance enables cigarette users to buy a plan for potentially less than they would with a traditional policy

New Parent Life Insurance Coverage: For recent moms and dads of newborns and toddlers – as well as those expecting – this policy is ideal for parents adjusting to the change with affordable rates.

National Agents Alliance Life Insurance Riders

Customization is a core element of insurers’ aim for customer satisfaction; riders help to make this possible by serving as “add-ons” to existing policy offerings.

NAA member companies Transamerica, Kemper, Foresters and Mutual of Omaha offer several kinds:

Disability Income Rider: Serves as a living benefit by paying for incurred expenses while the policyholder is injured and unable to work.

Guaranteed Insurability Rider:  A stipulation that ensures an individual has the ability to purchase life insurance at a later time regardless of their health status. Certain terminal illnesses, for example, might preclude someone from obtaining additional life insurance sans a rider.

Critical Illness Rider: A living benefit that can cover the cost of health services that relate to serious illnesses, which may vary in classification.

Child Protection Rider: An alternative way to cover one’s family – compared to a full-boat family policy – that guarantees to pay for a child’s final expenses after their untimely passing.

Spouse Protection Rider: An add-on to an individual policy that pays for only funeral-related expenses. These are often purchased when the partner does not have a policy him or herself.

Long-Term Care Rider: An accelerated death benefit that covers expenses that treat terminal illnesses, such as assisted living facilities.

Family Income Benefit Rider:  A variety of term life coverage that kicks in should the policyholder pass, paying the same amount as his or her annual income, paid in monthly installments rather than a lump sum.

Accidental Death Benefit Rider: A stipulation that compensates the beneficiary over and above a stand-alone policy if the owner dies suddenly. What qualifies as “accidental” can vary.

Customer Experience With NAA Life

Since NAA works as a marketplace, the processes involved in customers obtaining a quote and coverage largely hinge on the insurers with which NAA agents set up their clients.

Additionally, since the agency is composed of financial advisors, NAA pairs customers with field representatives who can help them navigate the best insurer for them based on their needs.

Online Application

This is done by filling out an online application, which asks for basic pieces of information include name, gender, mailing address, email address, phone number and a keyword with which agents can use to identify themselves upon calling for security purposes.

Alternatively, policy seekers can call NAA directly and go about the same process over the phone.  Since NAA is not a captive agency, advisors have the flexibility to recommend the financial services provider that best fits their clients’ budget and preference.


NAA’s website is fairly bare-bones, providing basic details on how the agency originated along with brief descriptions of the most popular plans.

It does not have some of the common online tools typically found on life insurers’ web pages nowadays, but since NAA specializes in doing this type of legwork and research on their clients’ behalf,  that isn’t too surprising.

Experienced agents help customers not only find the right insurance product, but also the proper amount. According to polling conducted by LIMRA, roughly 20% of Americans who own life insurance acknowledge not having enough coverage.


The discounts available depends on the insurer NAA agents recommend to their clients. Bundling is a common way people can save, as well as being a non-smoker and maintaining a healthy weight through exercise.