COMPREHENSIVE

INSURANCE

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:

Girl in the Car

LIFE INSURANCE

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.

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, 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

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 – 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

WHOLE LIFE CONT'D

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

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.

LIFE INSURANCE SAMPLES RENEWABLE LEVEL TERM INSURANCE

20 Year $50,000 Coverage
Semi-Annual Premium Standard Non-Tobacco

AgeMaleFemale
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

AgeMaleFemale
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 $100,000 Coverage
Semi-Annual Premium Standard Non-Tobacco

AgeMaleCash Value After 20 YearsFemaleCash 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
Age26
Male$755.04
Cash Value After 20 Years$29,327
Female$680.68
Cash Value After 20 Years$26,108
Age36
Male$1,008.28
Cash Value After 20 Years$40,636
Female$910.00
Cash Value After 20 Years$36,202
Age46
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.

Age50
Male$1,582.66
Cash Value After 20 Years$59,897
Female$1,416.48
Cash Value After 20 Years$53,782

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 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.

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 $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.).

ILLINOIS AUTO INSURANCE RATES BY AGE CHART

AgeAverage 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

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:

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.

DISCLOSURE

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 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 advice 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, toll free, 24 hours a day from anywhere in the USA.
  4. GUARANTEED REDUCED ATTORNEY FEES: Members will receive up to 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 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 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.

Contact our office to learn more about the insurance and tax services we have to offer.