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insurance


Automobiles

Comprehensive Insurance & Roadside Assistance

Based in Aurora, Illinois, NITS is a statewide leader in low-cost auto insurance, as well as home and life insurance policies. We have also earned a reputation for our roadside assistance solutions, as well as our ability to help both renters and homeowners. If your MVR includes accidents, DUIs, or tickets, we can help even if your policy requires an SR-22.

Speak with us for assistance with:

Auto Insurance
• Health Care Enrollment
• Homeowners Insurance
• Renters Insurance
• Life Insurance
Roadside Assistance

Life Insurance

Life insurance plays an essential role for your loved ones. Without life insurance, could your family maintain their current standard of living? Would they be able to afford funeral expenses while paying current mortgages and future expenses? We help you find life insurance coverage that meets the unique needs of your situation.


  
TERM LIFE
  

These plans do not generate cash value or pay dividends.

10-Year Renewable Level Term:
Insurance with premiums payable for 10 years. This plan provides the insured with the option of renewing every 10 years subject to the new premium at each renewal age. The death benefit remains level over the lifetime of the certificate. Obligations for loans or retirement needs make this product attractive.

Age Availability: 18 to 65
Issue Amounts: $ 25,000 and over

15-Year Renewable Level Term:
 
Insurance with premiums payable for 15 years. These plans provide the insured with the option of renewing every 15 years subject to the new premium at each renewal age. The death benefit remains level over the lifetime of the certificate. Obligations for loans or large expenses make these products attractive.

Age Availability: 18 to 60
Issue Amounts: $25,000 and over

20- Year Renewable Level Term: Insurance with premiums payable for 20 years. These plans provide the insured with the option of renewing every 20 years subject to the new premium at each renewal age. The death benefit remains level over the lifetime of the certificate. Obligations for loans or large expenses make these products attractive.

Age Availability: 18 to 55
Issue Amounts: $25,000 and over

30- Year Renewable Level Term: Insurance with premiums payable for 30 years. This plan provides the insured with the options of renewing every 30 years subject to the new premium at each renewal age. The death benefit remains level over the lifetime of the certificate. This product is valuable for sizeable long-term loans, such as mortgages.

Age Availability: 18-45
Issue Amounts: $25,000 and over

Supplemental Benefits
(Available for all term plans):

Waiver of Premium,
Accidental Death Benefit

   
DECREASING
TERM LIFE

These plans do not generate cash value or pay dividends.

10, 15, 20, 25, 30-Year Mortgage Decreasing Term:
A Mortgage Term plan of life insurance with premiums payable for either 10, 15m 20, 25, or 30 years. Premiums remain level over the lifetime of the certificate. This plan is not renewable and it does not generate cash value or pay dividends. The death benefit decreases annually over the selected duration.

Issue Amounts: $25,000 and over
Age Availability (10 & 15 Year): 16 to 65
Age Availability (20 Year): 16 to 60 Age Availability (25 Year): 15 to 55 Age Availability (30 Year): 16 to 50

Supplemental Benefits Available:
Waiver of Premium


WHOLE LIFE

Unless otherwise specified, plans pay dividends and contain guaranteed cash values. Life insurance (death benefit) amount remains level over the lifetime of the certificate.

Traditional Whole Life:
A permanent plan for which premiums are level and payable during the lifetime of the insured. Generally, offers the lowest premiums of all permanent whole life products.

Age Availability 0 to 90

Supplemental Benefits Available: Waiver of Premium,
Accidental Death Benefits,
Guaranteed Insurability Option,
Juvenile Payor Benefit

Single Premium Whole Life:
A permanent plan for which there is a one-time premium payment. The certificate is then paid- up and coverage continues for life. A great plan for newborns and young children, as it can be used as a college savings plan or retiree legacy plans.

Age Availability: 0-100

Supplemental Benefits Available: Accidental Death Benefit


WHOLE LIFE CONT'D

5-Year Limited Payment
Whole Life:

A permanent plan for which premiums are payable for 5 years. The certificate is then paid-up and coverage continues for life. Great for someone who wants insurance premiums for only a short period of time.

Age Availability: 0 to 90

Supplemental Benefits Available: Waiver of Premium, Accidental Death Benefit, Guaranteed Insurability Option, Juvenile Payor Benefit

10-Year Limited Payment
Whole Life:

A permanent plan for which premiums are payable for 10 years. The certificate is then paid-up and coverage continues for life. A favorite for those who are close to retirement and want a product that can be fully paid by the time of retirement.

Age Availability: 0 to 90

Supplemental Benefits Available: Waiver of Premium,
Accidental Death Benefit,
Guaranteed Insurability Option,
Juvenile Payor Benefit

15-Year Limited Payment
Whole Life:

A permanent plan in which premiums are payable for 15 years. The certificate is then paid-up and coverage continues for life. Insurance can be paid in full by the time the insured nears retirement and includes a cash value source for other needs.

Age Availability: 0 to 90

Supplemental Benefits Available: Waiver of Premium,
Accidental Death Benefit,
Guaranteed Insurability Option,
Juvenile Payor Benefit

20-Year Limited Payment
Whole Life:

A permanent plan in which premiums are payable for 20 years. The certificate is then paid-up and coverage continues for life. An attractive solution for those just beginning to start a family and in the early stages of their employment career. Insurance can be paid in full by the time they approach retirement and contain a cash value source for other needs.

Age Availability: 0-90

Supplemental Benefits Available: Waiver of premium,
Accidental Death Benefit,
Guaranteed Insurability Option,
Juvenile Payor Benefit.

    


FINAL EXPENSE


   
Final Expense- Immediate Benefit:

A permanent plan of insurance with a guaranteed death benefit for which premiums are level and payable during the lifetime of the insured. The plan allows for cash value growth and is not dividend participation.
No medical exam required.

Age Availability: 40 to 85
Issue Amounts: $2,500-$25, 000 (Age 40-75)
$2,500-$25,000 (Age 76+)

Final Expense- Graded Benefit:
A permanent plan of life insurance for which premiums are level and pay able during the lifetime of the insured. The plan allows for cash value growth and is not dividend participating. This plan has a reduced death benefit for the first two years. For non-accidental death, the death benefit is limited to 25% of the face amount in the first year and 50% of the face amount in the second year. Thereafter, 100% of the face amount is payable. Full benefits are paid for accidental death from day one. No medical exam required.

Age Availability: 40-85
Issue Amounts: $2,500-$25,000 (Age 40-65)
$2,500-$15,000 (Age 66-75)
$25,000-$10,000 (Age 76+)

Note: Application for ALL life insurance plans are subject to underwriting guidelines.


LIFE INSURANCE SAMPLES

RENEWABLE LEVEL TERM INSURANCE
 

RENEWABLE LEVEL TERM INSURANCE
 
20 Year $50,000 Coverage
Semi-Annual Premium

Standard Non- Tobacco

Age Male Female
30 $67.08 $58.76
35 $68.64 $59.54
40 $94.12 $81.64
45 $119.60 $104.00
50 $208.52 $148.72
20 Year $100,000 Coverage
Semi-Annual Premium

Standard Non- Tobacco

Age Male Female
30 $100.36 $85.28
35 $103.48 $86.84
40 $150.28 $126.88
45 $196.56 $167.44
50 $357.76 $248.56
* Rates shown are subject to Underwriting Review
  
WHOLE LIFE
  
20 Year $50,000 Coverage Semi-Annual
Premium Standard Non- Tobacco
Age Male Cash Value After 20 years Female Cash Value After 20 years
26 $387.92 $14,664 $350.74 $13,054
36 $514.54 $20,318 $465.40 $18,101
46 $702.52 $27,084 $632.32 $24,176
50 $801.58 $29,949 $718.64 $26,891
* Rates shown are subject to Underwriting Review
  
WHOLE LIFE
  
20 Year $100,000 Coverage Semi-Annual 
Premium Standard Non- Tobacco
Age Male Cash Value After 20 years Female Cash Value After 20 years
26 $755.04 $29,327 $680.68 $26,108
36 $1,008.28 $40,636 $910.00 $36,202
46 $1,384.24 $54,167 $1,243.84 $48,352
50 $1,582.66 $59,897 $1,416.48 $53,782
* Rates shown are subject to Underwriting Review

 

AUTO INSURANCE

Auto insurance is mandatory in our great state of Illinois, so don't risk being caught uninsured! Here at NITS, we can answer all of your auto insurance questions right over the phone with no wait or worry. Regardless of past incidents, we do everything in our power to provide you with the best auto coverage possible at an affordable rate.


LIABILITY COVERAGE


  
As a resident of Illinois, there are two types of liability coverage your insurance coverage must include:

  • Bodily injury safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily injury sustained by the other party or parties.
       
  • Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damages you may cause to the vehicle or property of another party or parties.

 
When you buy Illinois car insurance coverage, you’ll need at least the required state minimum amount:

$25,000/$50,000/$20,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $20,000 for damages to another person’s property.

Uninsured/underinsured motorist-bodily injury
Helps pay for damages due to bodily injury that your and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.

Comprehensive
This type of Illinois auto insurance coverage is used to repair your vehicle when physical damage occurs from a non-collision related incident. (subject to the deductible you selected at the time of placing your auto policy). Choosing the correct deductible is essential. Typical deductible amounts for Illinois auto insurance policies to consider are $0, $250, $500, or $1000. Incidents for comprehensive coverage may include fire, theft, glass breakage, vandalism and much more.


LIABILITY COVERAGE CONT'D

Collision
This type of Illinois auto insurance coverage is used to repair your vehicle when physical damage occurs from a collision with another vehicle or object. (subject to the deductible you selected at the time of placing your auto policy). Choosing the correct deductible is essential. Typical deductible amounts for Illinois auto insurance policies to consider are $0, $250, $500, or $1000.

Medical payments
Med pay helps pay for necessary medical services to your and your passengers as a result of and accident. (Generally secondary to your primary medical insurance coverage).

ILLINOIS AUTO INSURANCE RATES BY AGE CHART
Age Average Annual Premium
16 $5,327.09
17 $4,549.86
18 $4,072.22
20s $1,537.58
30s $1,083.20
40s $1,054.02
50s $945.36
60s $999.19
70s $1189.33
 
  

Nationwide Legal Protector Plus

ONLY $35.00 A YEAR In these uncertain times, legal advice is needed more often for many reasons.  The cost of legal advice is always on the rise and the companies that offer monthly memberships are quite costly for the average person.

Nationwide Legal Protector Plus provides:
3-1/2hour phone consultations, 1-1 -hour phone consultation and if a member needs to hire a network attorney for representation, they may receive a discount up to 25% off the networks attorney’s hourly rate.That’s a total of 2 ½ hours for FREE legal advice on ANY Legal Matter.

DISCLOUSURE

LEGAL SERVICES: You can consult with our nationwide legal network by simply calling our toll-free service line with your membership identification number listed on this contract. You are entitled to all benefits listed below.

1.        PERSONAL CONSULTATIONS: Members are entitled to three (3) free ½ hour personal consultations each membership year with the participating network law firms

2.        1 HOUR TELEPHONE CONSULTATIONS: Members received up to 1-hour free telephone advise and legal consultation from participating network law firms for your business or personal legal problems.

3.        FREE ACCESS: Members can access the Legal Protector Plus Network, tolls free, 24 hours a day from anywhere in the U.S.A.

4.        GUARANTEED REDUCED ATTORNEY FEES: Members will receive up to twenty five percent (25%) preferred rate reduction from the hourly and fee schedule of the network law firms. This preferred rate is available to your as often as you need while you are covered by this plan. Members receives up to a ten percent (10%) preferred rate reduction from the standard contingency percentages of the network law firm.


Services Covered: The following are some of the services the member receives up to a twenty five percent (25%) preferred rate reduction from the network law firms: Including but not limited to: *Adoptions *Corporations *Partnerships *Immigration *Bankruptcy *Real Estate *Traffic *DUI Collection Matters *Guardianship *Name Change *Document Preparation *Civil Litigation *Juvenile Matters *Driving Under the Influence *Landlord / Tenant *Traffic *Wills and more.

EXCLUSIONS:

The following items are specifically excluded and shall not be interpreted as included benefits, and no covered member, covered spouse, covered dependent or any combination thereof shall be entitled to receive an excluded benefit of service:


LEGAL PROTECTOR PLUS
maintains a network of attorneys throughout the county. Legal Protector Plus is dedicated to bringing you quality licensed attorneys.

1.        Any case, item, matter, or service involving an adversary relationship between parties or implied parties to the Legal Plan Agreement, including but not limited to covered member, covered spouse, covered dependent, contract holder (if any), any organization affiliated with contract holder (if any), or any organization with which contract holder is affiliated, staff attorney, state legal office, member of the participating panel of attorneys, administrator trustees of the plan (if any) covered member’s individual collective bargaining representative or covered member’s employer.

2.        Any case, item, matter or service arising out of an employer employee relationship relating to an employer which is any way associated with the legal plan.

3.        Fines, court costs, penalties, expert witness fees, travel time, telephone, postage, photocopy costs, disbursements and other related expenses are not covered by the plan and shall be paid by the covered member.  Any matters relating to patent, copyright, trademark, securities law, admiralty laws, pension or profit-sharing law or mergers, acquisitions, mining or water law. Federal Employees Liability Act, foreign laws, tax or other specialized area of law.

4.        Appeals to a court of higher jurisdiction; class actions; interventions or amicus curiae filings.

5.        Certain matters which existed before this plan became effective:

A.        Matters where a judgment has already been entered against a member and satisfaction of judgement has being sought;

B.        Matters where services are already being provided by another attorney

C.        Matters involving the Association or officers, employees or agents of the Association sponsoring the plan, or any officers, employees, or agents.

Roadside Assistance

The NSD roadside assistance offered by NITS is provided by Nation Safe Drivers. For more than 20 years, Nation Safe Drivers has been building an industry-wide reputation for superior, reliable 24-hour emergency roadside service that is prompt and convenient. Price tiers are as follows:

• NSD Plan — $55 • NSD Family Plan — $65 • NSD All Access Plan — $80

First 100 Miles - Free Towing   Out of Gas? No Problem - Advertisement


Nationwide Legal Protector Plus

Scale of Justice

ONLY $35.00 A YEAR
In these uncertain times, legal advice is needed more often for many reasons.  The cost of legal advice is always on the rise and the companies that offer monthly memberships are quite costly for the average person.

Nationwide Legal Protector Plus provides:
3-1/2 hour phone consultations, 1-1 hour phone consultation and if a member needs to hire a network attorney for representation, they may receive a discount up to 25% off the networks attorney’s hourly rate. That’s 2 ½ hours for FREE legal advice on ANY Legal Matter. 

DISCLOUSURE

LEGAL SERVICES: You can consult with our nationwide legal network by simply calling our toll-free service line with your membership identification number listed on this contract. You are entitled to all benefits listed below.

  1. PERSONAL CONSULTATIONS: Members are entitled to three (3) free ½ hour personal consultations each membership year with the participating network law firms
  2. 1 HOUR TELEPHONE CONSULTATIONS: Members received up to 1-hour free telephone advise and legal consultation from participating network law firms for your business or personal legal problems.
  3. FREE ACCESS: Members can access the Legal Protector Plus Network, tolls free, 24 hours a day from anywhere in the U.S.A.
  4. GUARANTEED REDUCED ATTORNEY FEES: Members will receive up to twenty five percent (25%) preferred rate reduction from the hourly and fee schedule of the network law firms. This preferred rate is available to your as often as you need while you are covered by this plan. Members receives up to a ten percent (10%) preferred rate reduction from the standard contingency percentages of the network law firm.

Services Covered: The following are some of the services the member receives up to a twenty five percent (25%) preferred rate reduction from the network law firms: Including but not limited to: *Adoptions *Corporations *Partnerships *Immigration *Bankruptcy *Real Estate *Traffic *DUI Collection Matters *Guardianship *Name Change *Document Preparation *Civil Litigation *Juvenile Matters *Driving Under the Influence *Landlord / Tenant *Traffic *Wills and more.

EXCLUSIONS: The following items are specifically excluded and shall not be interpreted as included benefits, and no covered member, covered spouse, covered dependent or any combination thereof shall be entitled to receive an excluded benefit of service:

  1. Any case, item, matter, or service involving an adversary relationship between parties or implied parties to the Legal Plan Agreement, including but not limited to covered member, covered spouse, covered dependent, contract holder (if any), any organization affiliated with contract holder (if any), or any organization with which contract holder is affiliated, staff attorney, state legal office, member of the participating panel of attorneys, administrator trustees of the plan (if any) covered member’s individual collective bargaining representative or covered member’s employer. 
  2. Any case, item, matter or service arising out of an employer employee relationship relating to an employer which is any way associated with the legal plan.
  3. Fines, court costs, penalties, expert witness fees, travel time, telephone, postage, photocopy costs, disbursements and other related expenses are not covered by the plan and shall be paid by the covered member.  Any matters relating to patent, copyright, trademark, securities law, admiralty laws, pension or profit-sharing law or mergers, acquisitions, mining or water law. Federal Employees Liability Act, foreign laws, tax or other specialized area of law.
  4. Appeals to a court of higher jurisdiction; class actions; interventions or amicus curiae filings.
  5. Certain matters which existed before this plan became effective:
    A. Matters where a judgment has already been entered against a member and satisfaction of judgement has being sought;
    B. Matters where services are already being provided by another attorney
    C. Matters involving the Association or officers, employees or agents of the Association sponsoring the plan, or any officers, employees, or agents.

LEGAL PROTECTOR PLUS maintains a network of attorneys throughout the county. Legal Protector Plus is dedicated to bringing you quality licensed attorneys.



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