April, 30 2017

855-322-0783

Life insurance reviews, news and prices from the top companies

(NSO) Nurses Service Organization Life Insurance Review

(NSO) Nurses Service Organization Life Insurance Review

Author
  • Price
  • Financial Strength

(NSO) Nurses Service Organization Life Insurance Review

Pros: Convenience– For coverage amounts of $100,000 or less a medical exam typically won’t be required.  Also the application is simple and done online.

Cons: Expensive– The rates are typically much more expensive compared what is available on open market (See the price comparisons below).  Limited Amount of Coverage– The maximum size life insurance policy with Nurses Service Organization is $200,000 which may not be enough protection for some families.  Rates Increase– The rates increase every 5 years on the Group Term Life Insurance plan.

Bottom Line: The life insurance available through NSO- Nurses Service Organization, underwritten by The United Stated Life Insurance Company is convenient for those looking for a policy amount of $100,000 or less as it won’t require a medical exam, just a simple online application.  However, as with most group life insurance coverage, the value as far as price and product selection is much better on the open market.  As with all the life insurance companies we review, we recommend that you receive a quote from NSO and from the other top life insurance companies and choose the best one for you.

 

Price Comparisons

Group Term Life Insurance

45 year old woman for $200,000 policy at the best rating class:

NSO-$42 month, Ohio National=$14.62 month, Genworth=$15.23 month, Banner Life=$17.68, AIG=$20.30

 Level Term Life Insurance

45 year old man for $200,000 policy, 10-year level term at the best ratings class:

NSO=$38.50 month,  Ohio National=$16.00 month, Principal=$18.09 month, AIG=$23.10, Banner Life=$20.13 month

50 Plus Term Life

55 year old man for $100,000 policy at each company’s best health class:

NSO=$126.50 month, Genworth=$25.20, Principal=$27.37, New York Life=$40.20 Prudential=$41.31

About

Issued by: United States Life Insurance Company

Founded: 1976 (NSO)

Website: ww.nso.com/

Phone: (800) 541-7644

Address: 159 E. Country Line Road Hatboro, PA 19040

A.M Best Rating: A (Excellent) Third highest of 16 possible ratings (United States Life Insurance Company of NY)

Comdex Ranking: 82 out of 100 (United States Life Insurance Company of NY)

BBB Rating: F  (AON)

Life Insurance Products: Group Term Life, Level Term Life (10-year term), 50 Plus Term Senior, Accidental Death & Dismemberment.

Life Insurance for: RN’s, LPN’s, Nurse Practitioners, Clinical Nurse Specialists, as well as many other healthcare professionals.

Competitors: NEBCO, American Income Life-AIL, PennMutual, MetLife, Assurity, Sagicor Life Insurance, Western National Life Insurance Company, Pacific Life Insurance Company, Nationwide, Globe Life Insurance, UNUM, Mutual of Omaha Insurance Company, Northwestern Mutual Life Insurance, New York Life, TIAA-CREF, MassMutual, Country Financial, Liberty Mutual, John Hancock, Ohio National Life, Principal, State Farm, Farmers, Allstate, American General Life-AIG, Banner Life, Protective Life, Primerica, Genworth Life, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Columbus Life Insurance Company, Cincinnati Life, ANICO, TIAA-CREF, Securian, Guardian, OneAmerica, Amica, Minnesota Life, RiverSource, Allianz Life Insurance Company, AAA, Erie, Thrivent Financial for Lutherans, EMC National Life, Motorists Life, Pan-American Life, National Life Group, Shelter, HoraceMann, Group Life Insurance, Supplemental Life Insurance, Aflac, Voluntary Life Insurance, Baltimore Life, Security Mutual Life, SBLI, Foresters, 5 Star Life Insurance Company, Oxford, Americo, United Home Life, Monumental, Funeral Advantage, Standard Life, Colonial Penn, AARP.

 

 We want to hear about your experience with NSO Life Insurance.  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below.

Summary
Review Date
Reviewed Item
(NSO) Nurses Service Organization Life Insurance Plan
Author Rating
2