Applicants for individual health insurance are NOT required to undergo a medical examination unless requested to do so by the Underwriter after the initial review of the application.

No. Coverage applies to local as well as overseas care where services are not available locally or insureds have a medical emergency while overseas.

Yes. Policyholders can upgrade their existing plans at the renewal date of the policy.

Yes. Policyholders can insure eligible dependents—spouse by marriage or common-law, unmarried dependent children up to age 18 or up to age 25 if still full-time student.

Contact any member of our Sales Team listed on our website or visit any of our Branch Offices to discuss the process.

A policy which provides coverage for the duration of an individual’s life, rather than a specified term period. It includes a savings component, called cash value, which increases over time.

A policy which pays the face value upon the death of the insured provided that the insured dies within the term of coverage. Coverage ends at a specified time. Term insurance does not have a cash value.

Yes. If your policy has a cash value, there is a provision for you to apply for a policy loan. Whole Life and Endowment policies have a cash value after 3 years.

Yes. NCI has a Five-Year renewable and convertible term policy that can be converted into a whole life policy.

Premium payments can be made by salary deductions, bankers’ orders and electronic and cash payments at the company’s offices.