Guaranteed-issue life insurance from NAIT

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Updated Jan 31, 2018

September is Life Insurance Awareness month, points out Marc Ballard of the National Association of Independent Truckers‘ insurance-related services wing. This is the “first year NAIT has really focused on life insurance,” Ballard says, given medical insurance has driven its insurance-related services to date.

Its fairly new life-insurance offering is available to trucker members (membership is $11 monthly) on a guaranteed-issue basis, says Ballard. “Life insurance is one of those insurances that’s kind of misunderstood, and “40 percent of America doesn’t have any life insurance.” One reason is the expense involved, particularly for individuals whose health histories may not be ideal from an insurance perspective.

But: “A lot of individuals don’t buy life insurance because they think it costs more than it really does.”

Through the pricing power of groups, NAIT’s been able to eliminate a lot of the variation in pricing for its members that typically comes with life insurance — for instance, individuals often pay a premium for such if they smoke or have a history of a smoking, if they’re men (versus women of the same age), and if they’re older. NAIT’s offering varies only according to age up to $50,000 worth in term life coverage ($25,000 for a spouse), Ballard says. Members and nonmembers alike can inquire for more information via

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