What Nra Endorsed Insurance Programs does

NRA Endorsed Insurance Programs is an affinity insurance and member-benefits platform operated by A.G.I.A., Inc. (dba AGIA Affinity), a California-licensed agency and third-party administrator. The program distributes a portfolio of more than fifteen insurance, health, and protection products exclusively to members of the National Rifle Association across all fifty U.S. states plus the District of Columbia, with limited exclusions in Vermont and Washington for prescription and telemedicine products. Core offerings span Individual Term Life, Senior Term Life, and Group Term Life (underwritten primarily by Central States Health & Life Co. of Omaha); Cancer Care Insurance, Hospital Help Plan, Long Term Care via LTCRplus, Medicare Supplement, Short Term Medical, a Discount Prescription Card, a Telemed Plan (Health Defender), and an eHealth Exchange health-plan comparison portal; plus Accidental Death, Emergency Assistance Plus travel assistance, Travel Accident Protection, the no-cost Patriot Protection Plan, and ID Resolve identity theft monitoring.

The platform is not a technology company: products are operated through a traditional affinity-insurance model in which AGIA Affinity performs administration, customer service, and claims, partner administrators (Careington International, Lockton Affinity, eHealth, ID Resolve, EA+, LTCRplus) deliver specialized services, and external carriers assume underwriting risk. Distribution is exclusively remote and digital-channel-led, combining NRA member communications (email, social, member portals), a self-serve website at nraapprovedservices.com with Get Started/Sign Up/Apply CTAs, and an inside-sales call center at 1-877-672-3006 operating Monday-Friday 5AM-4PM MST. The GTM motion is community-led affinity marketing rather than performance or outbound sales.

Revenue is generated through recurring subscription-style premium billing on underwritten products, with administrative fees of $3.50 (direct bill), $3.00 (credit card), or $1.25 (automatic checking withdrawal) layered onto most plans, plus freemium economics on the Discount Prescription Card and base Health Defender Plan. The addressable customer base is the multi-million NRA membership, with tiered treatment of Life Members (who receive enhanced defaults such as $10,000 Patriot Protection versus $5,000 for regular members). Pricing follows age-banded rate cards on most health and life lines, and rates may be adjusted on a class basis. The program's roots trace to 1996 via Life Insurance Central, and the EA+ travel assistance endorsement has been in place for over twenty years.

Name

Nra Endorsed Insurance Programs

Legal name

A.G.I.A., Inc.

Website

https://nraapprovedservices.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

NRA Endorsed Insurance Programs is an affinity insurance platform operated by A.G.I.A., Inc. that distributes life, health, accident, travel, prescription, telemedicine, and identity-theft products exclusively to NRA members across all 50 U.S. states via website, phone, and NRA member communications.

Ownership category

akta.pro rank

Product category

Affinity Insurance Programs

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industries

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Affinity insurance programs
• Term life insurance
• Accident and health coverage
• Travel accident protection
• Identity theft monitoring

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Monthly premium payments from NRA members for various insurance products including life insurance, cancer care, hospital indemnity, accidental death, travel accident protection, and identity theft monitoring. Premium billing includes $3.50 monthly administrative fee for direct bill, $3.00 for credit card, or $1.25 for automatic checking withdrawal.
2. Cancer Care Insurance Premiums: Monthly premiums for cancer care insurance with lifetime maximum benefits of $300,000. Rates vary by age: Under 50 ($1.06 member/$2.12 member+spouse), 50-64 ($4.48/$8.96), 65+ ($9.47/$18.94).
3. Accidental Death Plan Premiums: Monthly premiums for accidental death coverage up to $150,000. Member only: $3.70-$11.10; Member & Spouse: $7.40-$22.20 depending on benefit level.
4. Travel Accident Protection Premiums: Monthly premiums for travel accident protection: $6.37 member only, $12.74 member & spouse. Provides up to $400,000 in accidental death protection.
5. Hospital Help Plan Premiums: Monthly premiums for hospital indemnity insurance. Rates: Under 50 ($7.38/$14.76), 50-64 ($12.66/$25.32), 65+ ($14.50/$29.00).

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

NRA Endorsed Insurance Programs sells member-exclusive insurance and benefit products to NRA members, including term life insurance, cancer care insurance, hospital indemnity, accidental death, travel accident protection, emergency assistance, telemedicine, prescription discounts, Medicare supplements, and identity theft monitoring. Products are underwritten by partner carriers (such as Central States Health & Life Co. of Omaha) and administered by AGIA Affinity (A.G.I.A., Inc.), with enrollment available online and via phone. The offering is differentiated by NRA endorsement, guaranteed-acceptance underwriting on most products, and member-only pricing.

Product overview

NRA Endorsed Insurance Programs is a member benefits platform offering a comprehensive portfolio of insurance products and services exclusively for NRA members. The offering is structured as a single unified platform providing four main product categories: Life Insurance (Individual Term Life, Senior Term Life, and Group Term Life products), Health & Medical Benefits (Cancer Care Insurance Plan, Hospital Help Plan, Long Term Care through LTCRplus, Medicare Supplement Insurance, Short Term Medical, Discount Prescription Card, Telemed Plan via Health Defender, and eHealth Exchange), Emergency & Accident coverage (Accidental Death Plan, Emergency Assistance Plus travel assistance, Travel Accident Protection, and No-Cost Patriot Protection Plan), and Property & Liability (ID Resolve identity theft protection). Products are offered directly through the website and call center, with many featuring guaranteed acceptance provisions, group rates, and additional spouse or family coverage options.

Differentiator

Problem solved

Functional benefit

Brands

• Life Insurance Central: A life insurance comparison and quote service for NRA members, trusted since 1996, providing free unbiased support through salaried agents.
• ON-THE-MOVE Travel Accident Protection
• Emergency Assistance Plus (EA+)
• Hospital HELP Plan
• Cancer Care Insurance Plan
• Accidental Death Plan
• Patriot Protection Plan
• ID Resolve
• Health Defender Free RX Card
• Health Defender Plan
• LTCRplus

Products and services

• Individual Term Life Insurance Term life insurance for NRA members with guided application support and free unbiased advice from salaried agents to help members find coverage at competitive rates.
• Senior Term Life Insurance Term life insurance for NRA members ages 50-74 with guaranteed acceptance and no medical exam required, providing up to $20,000 in coverage to supplement existing insurance.
• Group Term Life Insurance $50,000 guaranteed-acceptance term life insurance for NRA members under age 50, designed as supplemental protection alongside employer-provided coverage.
• Cancer Care Insurance Plan Cancer-specific insurance offering benefits up to a $300,000 lifetime maximum to help cover treatment costs including hospital bills, chemotherapy, surgery, and prescription drugs.
• Hospital Help Plan Group hospital indemnity insurance providing cash benefits that scale with hospital stay length, paying $50-$200 per day for standard care and doubled amounts for cancer, intensive, or cardiac care.
• Long Term Care (LTCRplus) Group long-term care benefit program combining financial protection options with family assistance services, offering NRA members exclusive group discounts.
• Medicare Supplement Insurance Medicare supplement comparison and enrollment service through eHealthMedicare.com, connecting NRA members with plans from highly-rated insurance companies.
• Short Term Medical Temporary medical coverage for NRA members between health insurance plans, providing protection against unexpected illnesses and accidents at competitive rates.
• Discount Prescription Card Free prescription discount card offering 15-60% off generic drugs and 15-25% off brand name drugs at over 62,000 participating pharmacies nationwide (not insurance).
• Telemed Plan (Health Defender) Health Defender Plan providing 24/7 phone or video access to state-licensed doctors through DialCare, plus eDoc America, Health Advocate, NurseLine, and MedImpact prescription savings (not insurance).
• eHealth Exchange Health resource center for comparing and enrolling in health plans, including ACA marketplace options and alternatives for those with qualifying life events.
• Accidental Death Plan Accidental death insurance providing up to $150,000 in cash benefits paid regardless of other coverage, with guaranteed acceptance and no health questions required.
• Emergency Assistance Plus (EA+) EA+ travel assistance program providing medical evacuation, transportation home, medical assistance, travel assistance, and companion assistance services 24/7/365 for NRA members traveling worldwide.
• Travel Accident Protection ON-THE-MOVE travel accident insurance providing up to $400,000 in accidental death coverage plus $500/day hospital benefits for covered accidents.
• No-Cost Patriot Protection Plan No-cost accidental death coverage providing up to $5,000 for regular NRA members ($10,000 for Life Members) for covered accidents including hunting accidents, NRA events, or violent crimes, with optional expanded coverage up to $150,000.
• ID Resolve Identity theft monitoring and 24-hour resolution service endorsed by the NRA, offering Protect, Detect, Alert, and Resolve capabilities to protect members' financial reputation and identity.

Quantifiable outcome

• Lifetime maximum cancer care benefit of $300,000
• +5 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and supporting.

• AGIA Affinity (A.G.I.A., Inc.)coreImplementation/ SI/ Consulting PartnerAGIA Affinity is the primary administrator and agency for NRA Endorsed Insurance Programs. A.G.I.A., Inc. holds agency license #0155705 and Third Party Administrator license #0549207. Handles plan administration, claims processing, and customer service for most insurance products.
• Central States Health & Life Co. of OmahacoreOthersUnderwriter for Senior Term Life Insurance, Group Term Life Insurance, Hospital Help Plan, Accidental Death Plan, Travel Accident Protection, and Patriot Protection Plan. Located at Omaha, NE 68114. Provides the insurance policies and assumes risk for covered benefits.
• eHealth/eHealthInsurancesupportingTechnology or IntegrationProvides eHealth Exchange platform for health insurance comparison and enrollment. eHealthMedicare.com enables Medicare Supplement comparison shopping. Non-government website run by eHealthInsurance.com.
• Emergency Assistance Plus (EA+)coreGTM or Marketing PartnerPreferred travel assistance program chosen by NRA for over 20 years. Provides medical evacuation, transportation home, and 24/7 emergency assistance services. TripInsure Plus available as add-on for trip protection.
• DialCare (Telemedicine)supportingTechnology or IntegrationModern telemedicine solution for non-emergency illnesses and general care. Part of the Health Defender Plan providing phone/video access to state-licensed, fully credentialed doctors 24/7/365.
• eDoc AmericasupportingTechnology or IntegrationPart of the Health Defender Plan providing additional medical consultation services for NRA members.
• Health AdvocatesupportingTechnology or IntegrationProvides Patient Advocacy and NurseLine services as part of the Health Defender Plan. Helps members navigate healthcare systems and provides 24/7 nurse support.
• MedImpactsupportingTechnology or IntegrationPrescription drug discount program integrated into the Health Defender Plan. Helps members save on prescription medications at pharmacies.
• TripInsure PlussupportingGTM or Marketing PartnerPer-trip travel protection designed specifically for EA+ members. Complements EA+ membership without overlap. Available at nra.tripinsureplus.com.
• LTCRpluscoreStrategic or Co-development PartnerLong Term Care benefit program with over 20 years experience. Combines financial protection options with family assistance services. Over 500 Associations have approved this group program. Exclusive group discounts available to NRA members.
• ID ResolvesupportingGTM or Marketing PartnerIdentity theft monitoring and 24-hour resolution services endorsed by NRA. Two programs: Monitoring & Resolution or Resolution Only. Members-only rates available.
• Careington International CorporationsupportingTechnology or IntegrationDiscount Plan Organization and administrator for Health Defender Free RX Card and Telemed Plan. Located at 7400 Gaylord Parkway, Frisco, TX 75034. Manages prescription discount network of 62,000+ pharmacies.
• Lockton AffinitysupportingChannel Partner/ Reseller/ DistributorManages NRA Club Affiliates & Business Affiliates program. Contact at (877) 487-5407 or [email protected]. Provides group insurance programs for NRA-affiliated clubs and businesses.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• eHealth: Online health insurance marketplace and Medicare/ACA enrollment platform. Already a partner of NRA Endorsed for Medicare Supplement and ACA exchange products; directly comparable as a digital insurance distribution platform targeting consumers and affinity groups.
• Careington International: Discount plan organization administering the NRA's free prescription card and telemed benefits. Comparable as a non-insurance benefit administrator that distributes health savings and wellness products through affinity and group channels.
• AGIA Affinity (A.G.I.A., Inc.): Parent entity and primary administrator of NRA Endorsed Insurance Programs; also operates parallel affinity insurance programs for other membership organizations. Comparable as an affinity-group program administrator and insurance agency.
• Lockton Affinity: Affinity insurance program administrator and broker that designs, markets, and administers member-benefit insurance programs for associations and membership organizations — already a partner of NRA Endorsed Insurance Programs and the closest functional peer in business model.

Emerging players

• New Era Life Insurance: Specialty life and health insurer focused on final expense, simplified issue, and senior life products — directly overlapping with the NRA's Senior Term Life and Cancer Care products in target customer (50+) and simplified-issue underwriting approach.

Broad incumbents

• USAA: Member-owned financial services and insurance company serving military members and families. Operates as both affinity-gated distribution and direct carrier, offering auto, home, life, and umbrella coverage — comparable in its affinity-member GTM but at far larger scale with captive underwriting.
• GEICO (Berkshire Hathaway): Large direct-to-consumer insurance carrier distributing personal auto, home, life, and umbrella coverage. Comparable as a direct-channel mass-market insurance distributor, though broader and not affinity-gated.
• AAA Insurance: Affinity insurance program serving AAA's motor club membership base with auto, home, life, and travel insurance. Same structural model — exclusive member benefit, multi-carrier distribution, club/membership GTM channel.
• Globe Life: Large direct-to-consumer life and supplemental health insurer with significant simplified-issue, final-expense, and cancer/hospital indemnity product lines. Comparable in product mix (term life, supplemental health) and in serving customers who want guaranteed-acceptance coverage without medical exams.
• AARP Insurance Programs: Largest affinity insurance program in the US, offering life, health, auto, and home products to AARP's 38M+ members through carrier partnerships. Directly comparable as a member-benefit affinity insurance distribution platform, just at dramatically larger scale and an older demographic.

Market position

Strengths2 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/NRAEndorsedInsu
• YouTubeyoutube.com/user/NRAVideos
• Facebookfacebook.com/NRA.Endorsed.Member.Benefits

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nra Endorsed Insurance Programs