National Income Life Insurance

National Income Life Insurance Reviews

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Overall Rating
4.0 out of 5
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About National Income Life Insurance

National Income Life Insurance Reviews

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Page 1 Reviews 0 - 5

Reviewed Aug. 14, 2023

Representative Alden **. Is amazing. She explained everything to me. She broke it down to where I understood the differences in insurance for me and my family. She was very sweet and patient. I will definitely recommend. And very affordable.

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Reviewed Aug. 12, 2023

NILICO has provided me the opportunity to work from home, set my own schedule, and help families protect their legacies, while protecting my own. We have an amazing supportive team that is willing to do anything they need to help out.

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    Punctuality & Speed

    Reviewed July 14, 2023

    NILICO products fill a niche in the insurance field that most other companies simply don't and they do so at reasonable rates. Claims are paid out quickly and easily for accidental policies. So far I haven't had personal experience with the death benefit.

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    Reviewed June 28, 2023

    National Income Life is huge for any and all families. The way National Income Life bases their policies is on NEED and AFFORDABILITY. Make this Company your first option and then go from there. I guarantee you will not be disappointed.

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    Reviewed June 6, 2023

    They have great rates and have been good throughout the years with payouts. Yearly they even offer to do a review to make sure that no claims are owed to us and ensure everything is up to date. Would definitely recommend!

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    Reviewed May 12, 2023

    Policy since 2015 while living in Utica, NY, with automatic premium payment deducted from checking account. Moved to Cookeville, TN in 2021, and have been trying to arrange monthly automatic premium payment from new bank checking account here in TN, since all bank accounts in NY have been closed. Repeatedly, I have been assured that the matter has been taken care of; I even sent them a VOIDED check for confirmation of bank info... NOW, I have received notice that since my premiums are in arrears, this STUPID company has decided to take the necessary payments as a "LOAN" from the money contained in the policy, with an 8% interest rate - Are You Kidding Me? I told them yesterday to get it right, or cancel me and send the money contained in my two policies!

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    Customer ServiceSales & MarketingStaff

    Reviewed March 8, 2023

    This company has been taking my money for almost 2 years now ($3400) SO FAR for a $35000 payout if I die. I thought that my husband and I were making a good decision about getting Life Insurance since we run a small business BUT boy way I wrong. After a few months they sent paper stating our policy payment was increasing a little bit. They did this multiple times. When I tried to call my representative his phone was disconnected and he never responded to my emails. I would have hoped if he left the company he would have informed his clients but I guess not.

    I started reading more and more horror stories of people feeling like they were scammed by making payments. I tried to contact my representative to cancel but obviously no response. I called the 1-800-516-4466 multiple times only to be told the wait time was 10-15 mins, so I wait for 20-30mins being told numerous I was getting closer to my turn in the queue...after 30 mins, I heard a click and then I was hung up on. So I called back and went through the same process again. I feel that this company it a scam. I tried calling a few other times on different days to have the same thing happen. They take your money just incase you die then only pay out a small amount. To many others that are probably on a fixed income or are hard workers to just have money taken from them every month for nothing. DON'T WASTE YOUR HARD EARNED MONEY WITH THEM.

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    Customer ServiceCoverageStaff

    Reviewed Jan. 17, 2023

    I called customer service at 10:53am today to cancel and cash out my policies. I moved away from NY and the company does not have reps in the area. When I last spoke to them they said they would have someone reach out to me to "service the policy". I just kept getting phone calls asking when I could meet with a rep... In NY... Where I moved from in 2015... Eventually they stopped calling/making an effort to "service the policy". I decided that since I have a new policy that is 20x the one I have thru National, I would cancel and cash out the policies I had. After being told the wait time was 21m I waited ~35m for someone to pick up. When they did, the woman took my info and told me basically cancelling policies wasn't her department and would transfer me. 53m later, a woman picked up. I explained what I wanted and the call was shortly there after disconnected.

    I called back and was told my wait time would be 17m. After 25m the line was picked up but no one said anything or responded to my "hello"s. I got the menu again asking me to pick a number and was told my wait time would be 19m. After ~22m a gentleman picked up. I told him what I was trying to do and he told me he would transfer me to someone who could help me.... Another ~40m later a woman picked up. I told her what I was trying to do and she asked for my policy number. I gave it and she told me she couldn't do anything with NY Policies.... and would transfer me to someone who could... It is now 2:15pm and I am still on hold. I do not and would not recommend this company to anyone. This is a terrible waste of my time.

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    Reviewed Oct. 25, 2022

    I contacted them about the child safe kits but it was a life insurance sales call. NICOLE ** said she would put in false medical info. so I would get a better quote. I said "but that's insurance fraud..." She said "It will be fine, the company won't care." I refused to buy insurance from her, and never got the child safe kits.

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    Reviewed Oct. 19, 2022

    I dealt with agent John, he was very informative. He told me exactly what he recommended for me. I decided to leave this. I’ve review because when I received my policy in the mail. It matched my notes from what John told me. Thank you very much.

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    National Income Life Insurance Company Information

    Company Name:
    National Income