With headquarters in Aurora, Illinois, NITS is a statewide leader in low-cost auto insurance, as well as home and life insurance policies. We have earned and maintained a reputation of being able to efficiently help individuals and businesses.
We’re the best option if you need assistance with:
There are 41 million people in the U.S. who say they need life insurance but don’t have it. Life insurance plays an essential role for your loved ones. Having the safety net of life insurance can ensure that your family can stay in their home and pay for the things that you planned for. We can help you find life insurance coverage that meets the unique needs of your situation.
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, 15, 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 & 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
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 – 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 plan.
Age Availability: 0 – 100
Supplemental Benefits Available:
Accidental Death Benefit
5-Year Limited Payment Whole Life:
A permanent plan for which premiums are payable for five 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 – 90
Supplemental Benefits Available:
Waiver of Premium
Accidental Death Benefits
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 – 90
Supplemental Benefits Available:
Waiver of Premium
Accidental Death Benefits
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 – 90
Supplemental Benefits Available:
Waiver of Premium
Accidental Death Benefits
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 Benefits
Guaranteed Insurability Option
Juvenile Payor Benefit
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 – 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 payable 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 is subject to underwriting guidelines.
| 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 |
| 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.
| 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 |
| Age | 26 |
|---|---|
| Male | $755.04 |
| Cash Value After 20 Years | $29,327 |
| Female | $680.68 |
| Cash Value After 20 Years | $26,108 |
| Age | 36 |
|---|---|
| Male | $1,008.28 |
| Cash Value After 20 Years | $40,636 |
| Female | $910.00 |
| Cash Value After 20 Years | $36,202 |
| Age | 46 |
|---|---|
| Male | $1,384.24 |
| Cash Value After 20 Years | $54,167 |
| Female | $1,243.84 |
| Cash Value After 20 Years | $48,352 |
* Rates shown are subject to Underwriting Review.
| Age | 50 |
|---|---|
| Male | $1,582.66 |
| Cash Value After 20 Years | $59,897 |
| Female | $1,416.48 |
| Cash Value After 20 Years | $53,782 |
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.
As a resident of Illinois, there are two types of liability coverage your insurance coverage must include:
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 you 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 $1,000. Incidents for comprehensive coverage may include fire, theft, glass breakage, vandalism, and much more.
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 $1,000.
Medical payments
Med pay helps pay for necessary medical services to you and your passengers as a result of an accident. (Generally secondary to your primary medical insurance coverage.).
| 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 | $1,189.33 |
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.
Three ½-hour phone consultations, one 1-hour phone consultation, and if a member needs to hire a network attorney for representation, they may receive a discount of up to 25% off the networks attorney’s hourly rate. That’s 2 ½ hours for FREE legal advice on ANY legal matter.
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.
Services Covered: The following are some of the services the member receives up to a 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.
