National Income Life

National Income Life – Why Work For Us?

About National Income Life Insurance Company

At National Income Life Insurance Company (NILICO), we treat each of our sales professionals like family. In fact, we believe by working together, we can each achieve our personal and professional goals. It is this philosophy that makes a difference—and has made us successful.

It doesn't matter if you're already a member of our team, considering joining our team, or if you just want to learn a little more about our rich history… you are in the right place at the right time!


Who are we?

National Income Life's parent company, American Income Life Insurance Company, was founded more than half a century ago with just $25,000 in borrowed capital, and today, with NILICO, the companies have become an international provider of supplemental life insurance to labor unions, credit unions, and associations.

American Income first appeared on the business landscape with a truly unique idea—developing a niche marketplace selling supplemental life insurance products to labor unions and working families in America.

The founding principle was to improve the quality of life of the working class and to provide Opportunity Unlimited to all who became associated with National Income and American Income Life. We've succeeded in that endeavor.

Today, American Income Life Insurance is licensed in 49 states, the District of Columbia, New Zealand, Canada, and operates under the wholly-owned subsidiary Union Heritage Life Assurance Company Limited in the Republic of Ireland. Additionally, National Income Life is licensed as the New York subsidiary of AIL. We are a strong Company, ranking as a Fortune 1000 corporation with billions of dollars in life insurance in force.


What do we do?

If you have a passion for helping people and enjoy the feeling you get when you've assisted someone in becoming more secure either professionally, financially, or personally, then NILICO is the place for you.

As a National Income Life licensed representative, you would be the liaison between the Company and the customer in providing supplemental life and health insurance to the members and families of labor unions, credit unions, and associations. No sales degrees or prior selling experience needed. People from all walks of life have joined our team—and so can you!


Where we want to be... 

Our vision at National Income Life is to become the premier in-home life insurance provider to working families in New York, and we want you to become part of this vision.

Our experience in the labor union market combined with our powerful business ties and affiliations have allowed us to reach a level of expertise that's hard to match. We are committed to finding more innovative ways to reach our markets and are currently broadening our earning potential by targeting new marketing avenues.

In expanding our niche, we are searching for talented sales men and women with winning attitudes who are willing to succeed in an environment still standing on the philosophy and principle we were founded upon.


The sky’s the limit!

Roger Smith, National Income Life's President and CEO, explains the opportunity as follows: "Today, at National Income Life, we are pursuing a vision for even greater opportunities. That vision is allowing us to realize record growth and extraordinary milestones of success. I believe the best opportunities are still before us, and that your path for advancement, whether as an Agent, Manager, or Public Relations Representative, is greater today and greater with this Company—we have a lot to offer! Therefore, if you are ready to put yourself on the path to success, don't wait! Your future begins today."

Working at National Income Life Insurance Company


Opportunity Unlimited

At National Income Life Insurance Company, Opportunity Unlimited means YOU decide what you're worth. YOU are in control. Your performance determines how much money you make, how high you take your career, and whether you choose to hone your skills as a leader and manager.

We're looking for a select group of leaders, entrepreneurs, and high achievers who see the value in our unlimited opportunity. Say yes to NILICO and we'll give you the ability to have a long-term career and run your own business as an independent contractor. A career with National Income Life gives you freedom. The choice is yours.


Freedom to succeed

Want a six-figure income? It's in your grasp. We give you the opportunity to make as much or as little as you desire. As you gain experience and knowledge, your earnings increase...


Freedom to perform

If you love working with people and helping them perform to their fullest potential, then National Income Life is the place to be. Don't worry if you've never been given the chance to challenge yourself in this way because you'll learn how to recruit, train, develop, and manage others.


Freedom to grow

How successful do you want to be and what will it take to get there? These are questions we can help you answer. Want to be an entrepreneur? Exhibit the ability to train and manage, and we'll teach you how to build an Agency or expand your operation. As a member of the National Income LIfe team, you will have the freedom to run your own business, plan your Agency's future, and be rewarded for managing a high performance business. You will operate independently, but you are not alone. It's up to you!



Every decision considered at National Income must benefit the following: the customer, the Agent, and the Company. Each is equal in importance, and if any one of them is missing, we simply won't do it.



National Income Life, with its parent Company, AIL, is one of the largest supplemental benefits company of its kind, spanning the United States, New Zealand, and Canada, and we are licensed in the Republic of Ireland under the wholly-owned subsidiary United Heritage Life Assurance Company Limited. Our Company's growth has been sustained through high customer satisfaction, innovative lead programs, word-of-mouth referrals, and one of the most lucrative Agent compensation programs in the industry. High ratings from industry analysts indicate that our Company will be here for many years to come to pay commissions and bonuses to Agents and pay customer claims.


Abundant leads

We have one of the best qualified lead programs in the industry, generated by one of the most experienced lead generation teams assembled anywhere. This means you get qualified leads in your hands so you can start doing the thing you're best at selling.

In addition, our leads are only available to Agents/Agencies of our affiliate Companies and are not sold on the open market. We are not in the business of creating profit from selling leads we are in the business of making profits from working the leads.

National Income LIfe - Incentives & Recognition

World-class rewards are a National Income Life staple to those who are goal-oriented! In addition to higher income opportunities, outstanding achievement at NILICO is rewarded with an annual sales convention, awards, and peer recognition throughout the year.


Annual Sales Convention

Each year qualifying National Income Life representatives and their guests have the opportunity to attend our Annual Convention held in various popular locations. Conventions have included Caribbean cruises, the Atlantis Resort at Paradise Island in the Bahamas, Las Vegas, Hawaii, Walt Disney World, Miami Beach, Puerto Rico, Beverly Hills, The Dominican Republic, and New York City.


Production Awards

Each year, NILICO honors its top producers at our annual convention by recognizing our Top Individual Producers, Supervising Agents, General Agents, Master General Agents, Regional General Agents, State General Agents, Public Relations Representatives, and PR Managers in the Company.

Other special recognition awards are presented to the President's Club, Founder's Club, SGA of the Year, and qualifiers to the Million Dollar Club for that particular year.

In addition, throughout the year, top producers are recognized each week and month via Company communications.


Leadership Academy

Recognition opportunities include the Leadership Academy. Leadership Academy is held several times a year and is geared for middle-level managers and managers in training. These seminars are full of valuable information on how to lead and strengthen a successful Agency.

National Income Life - Frequently Asked Questions

Interviews can be tough, but after you have been to a couple you start to relax a bit more. Some you might even enjoy! At National Income Life, we want you prepared for what could be a life-changing event. Below are some commonly asked questions we receive from potential candidates.


What do I wear to my NILICO interview?

All of our interviews require that the candidates dress professionally (business attire).


What should I take to an interview?

You should bring a great attitude and at least two copies of your resume.


What sort of questions can I expect?

Questions will be based on your past work experience, career objectives, and work ethic. You should plan on spending one to two hours with us on the day of your interview.


Who will interview me?

Someone on the local State General Agent Management Team will conduct the interview.


How should I prepare for an interview?

Review your resume, and come up with questions for the interviewer. Make sure you are on time.


What qualities are interviewers looking for?

National Income is looking for talented, motivated individuals with a great attitude. If you are looking for a career and not just a job, then National Income Life is the Company for you. If you are a self-starter who is goal oriented and looking for a long-term career, then we want to talk to you!

National Income Life - College Recruiting

At National Income Life - , we pride ourselves in our ability to recruit top college students who embrace our unique culture. We specifically seek candidates who believe excellence is a personal commitment, possess confidence to overcome obstacles, and embody a competitive spirit.

We place college recruits in the best positions available to build lasting careers in a demanding environment, challenging the predetermined career path typical in more traditional companies. Rather than trying to match you to a preset occupation description, we find the right talent first and then offer opportunities that best match individual abilities and interests.

Listed below are just some of the on-campus events that National Income Life provides at universities and colleges throughout the state of New York.


Career fairs

Usually sponsored by the host school, these informal events are designed to allow students to meet National Income Life recruiters and explore career options within the Company.


Information sessions

National Income Life sponsors these on-campus presentations, designed to help educate students about the Company and its career opportunities.



On-campus interviews allow students to personally share their qualifications with a NILICO recruiter and get started on a potential career with National Income Life.

National Income Life Reviews

56 Reviews
56 Reviews
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National Income Life CEO Roger Smith
Roger Smith
30 Ratings

    A roller coaster of a a career.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Agent
    Current Employee - Agent

    I have been working at National Income Life full-time


    If you have a strong drive, and are self motivated you will easily be successful. You basically are your own manager, so if you are strong willed and not prone to slacking off, this job is for you. The weekly pay can be amazing as there is no cap to your commission, and the monthly bonuses that some other employees (with the same job title as me) get are simply mind blowing. Once out of training you write your own schedule and are pretty much your own boss. This company is constantly growing and they are always looking for more managers. (Management pay is ridiculously stupid-as in a good stupid because the amount of bonuses they receive). If you just want to be a career agent you can work as little as 3 days a week or 6 days.

    The support here is amazing. Everyone from the front desk secretary, to the agent sitting next to you, to your manager, to the president/ceo is easily accessible, encouraging, and full of support. I've never worked for a company who's CEO was that present and responsive, so it's really encouraging and great to see.

    Once you get passed the amount of money you're making and realize what you're doing - protecting families- you'll realize that you have a pretty amazing career.


    As stated previously the pay is really great. However, the job is 100% commission so you literally could be making $2,000 a week, or $0 a week. It is daunting and there is a learning curve at first, so its imperative that you hit the ground running.

    The company does give you leads of members who requested the benefits we have to offer every couple of weeks, but the leads I've experienced in my office are around a year and a half old...I've had plenty of people who don't remember requesting these benefits, just plain don't want them anymore, or are no longer insurable due to health conditions that have arose in the past year that it took for us to receive their information. You don't really get enough leads either to actually fill a schedule, it's really referral based, which you get taught how to do .

    There's a lot of driving involved- you're meeting families in their home where ever that may lot's of wear and tear on your car (I lease so not that worried-except with the amount of miles i'm putting on)

    Some people can't handle the work/life balance, but if you know how to manage your time it really shouldn't be an issue. You have every sunday off, and yes, initially they want you working monday-saturday (saturday really being a half day), but once you finish training you're on your own time.

    The first couple weeks of training suck just because of the amount of hours you're working but it all pays off quickly.

    Advice to ManagementAdvice

    Be Solid-Don't bite off more than you can chew-Delegate and don't be afraid to ask for help

    Positive Outlook
    Approves of CEO

National Income Life Interviews

Updated Nov 13, 2014
Updated Nov 13, 2014

Interview Experience

Interview Experience


Getting an Interview

Getting an Interview


Interview Difficulty


Interview Difficulty




    Benefits Coordinator Interview

    Anonymous Employee
    Anonymous Employee
    Application Details

    I applied through other source – interviewed at National Income Life in November 2014.

    Interview Details

    I received a call from someone stating that they had seen my resume online and were interested in meeting with me regarding a Benefits Coordinator position and briefly described the position. I immediately stated if this was a commission based sales position I was not interested. I was told no it was not. I then asked if this was a salaried position, I was told yes, but they did not have the details in front of them and the interviewer would go over that.

    Interview Questions
    • There are three steps to the interview process. They do not go over any salary details with you in the first round, the interviewer stated that the third round of interviews was when they would go over salary details.   View Answer
    Reasons for Declining

    I declined due to the fact that I was mislead about the position I was being brought in to interview for.

    Declined Offer
    Negative Experience
    Easy Interview

National Income Life Awards & Accolades

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Additional Info

Headquarters Rochester, NY
Size 1 to 5 Employees
Type Company - Private
Industry Insurance
Revenue Less than $1 million (USD) per year

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National Income Life

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