Take the worry out of life with insurance protection
Peace of Mind
National Educaitonal Services has been providing Insurance solutions to public employees for over 35 years.
Financial Secuirty
Life insurance can help provide financial security for your loved ones when they may need it most.
Tailored Coverage
We go the extra mile to educate you on all the features and options available to you at an affordable price.
Protect what you love and find the best policy
Life Insurance can be confusing. National Educational Services goes the extra mile to make sure our clients are educated on all of the products and features available to them at an affordable price.
Types of Life Insurance
With a large variety of options to choose from, picking a life insurance policy can be challenging. National Educational Services is committed to making this process as easy as possible.
Term Life Insurance
Provides coverage and a death benefit for a specific period. You receive
read moreIndexed Universal Life
Offers cash value build-up based on stock market indices.
read moreWhole Life
Type of permanent insurance or cash value insurance.
read moreVariable Universal Life
Combines the flexibility of options with investment choices.
read moreUniversal Life
Offers lifelong protection with a flexible premium amount and death benefit.
read moreLiving Benefits
Access to the cash value or accelerate the death benefit while you are still living.
read moreLife insurance FAQs
Life insurance can be confusing. Find answers to the most frequently asked questions.
Policy owner
The policy owner is the person who owns the life insurance policy. In many cases, the policy owner is also the person who is insured by the policy. However, the policy owner may also be a relative of the insured, a trust, partnership, or a corporation.
Beneficiary
A beneficiary is the person(s) selected by the policy owner to receive the life insurance payments upon the death of the insured.
Premium
Premiums are the payments made to the insurance company to purchase and keep a policy active.
Death benefit
A death benefit is the amount paid to the beneficiary at the time of the death of the insured.
Face amount
The face amount of the policy is the amount of the death benefit as stated in the policy. This does not include additional amounts that the policy may provide.
Insured/insured life
Insurability refers to how likely an applicant is to be offered coverage based on current health, medical background, family history and other factors.
When determining this the main factor to consider is the period of time you’ll need coverage, especially if you have children. If your children are young, twenty or thirty years of term life coverage would help your children get through college or secure their future. If your children are older and able to support themselves, you might consider a shorter term period that’s more appropriate for your needs.
Generally, the benefits received by beneficiaries after death are collected tax free. If you have a permanent life insurance policy, the funds accumulated over time would not be subject to income tax as long as the policy is still in effect. Finally, while withdrawals and loans reduce the value and death benefit, most are not taxable.
When choosing a life insurance company be sure they have exceptional customer service, competitive pricing, great claims payment history, as well as being financially sound. To learn more about company ratings online visit Standard and Poor’s, Moody’s, Fitch and Weiss.
