Coronavirus (COVID–19)

We understand the Coronavirus (COVID–19) has impacted the daily lives of educators and caused unprecedented disruption to the school communities we serve. NTA Life, a Horace Mann company, has been in the business of taking care of our customers and managing risk for nearly 50 years, and we’re being proactive to ensure that we continue to provide the service you deserve.

Our thoughts are with those that have been impacted by COVID–19 and the strategies used to mitigate its spread. NTA Life is closely monitoring guidance from the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO). As always, the health and well–being of our customers, employees, agents and the communities we serve is our top priority.

While we are taking multiple steps to minimize health risks to our employees and agents, NTA Life remains fully available to support our customers and the education communities we proudly serve.

We strongly encourage our customers to leverage our online self–service tools and resources which are available 24/7. As always, through challenging times, NTA Life, our employees, and our agents stand ready to assist you.

You can access your accounts online 24/7. View documents, make payments, and update your contact information. Login or register now.

NTA Life representatives are available by phone and email. Call (888) 671–6771 8am–6pm CDT, M–F or email us here.

Please visit the CDC and WHO websites for the latest information on COVID–19.

We understand during uncertain times, having information and guidance is invaluable.

For Florida residents, please visit the Florida Health website for additional information related to COVID–19.

Please be aware that due to COVID–19 there is a heightened risk of scams and price gouging. We encourage you to please contact your insurance providers, including NTA Life, before purchasing any unsolicited insurance policies or making any changes to any existing policies. Some examples of possible insurance scams include the following:

  • False advertisements of low–priced insurance that provides benefits for coronavirus or COVID–19 related treatments.
  • Phone calls, emails, or text messages that falsely claim that your insurance was canceled.

Frequently Asked Questions

Policy Benefits

Do NTA's Disability Income Insurance policies provide Total Disability benefits for quarantine due to COVID–19?

A quarantine for preventive measures only, where no disabling Sickness exists, would not be covered. In order to be eligible for Total Disability benefits, NTA’s Disability Income policies typically require the Insured to be unable to perform the substantial and material duties of their regular occupation due to a Sickness or Injury.

Do NTA's Disability Income Insurance policies provide Total Disability benefits for Insureds who are diagnosed and are unable to work due to COVID–19?

Generally, yes provided the Insured is eligible for Total Disability Benefits based on their policy version, and is unable to perform the substantial and material duties of their regular occupation. The Insured would be subject to verification by their physician and employer. The elimination period and all other policy provisions would apply.

Do NTA's Hospital Insurance policies provide benefits if a Covered Person is hospitalized due to COVID–19?

Generally, yes provided COVID–19 is first manifested on or after the Coverage Effective Date and care or treatment was received within Canada, or the United States or its possessions. All other policy provisions, including any applicable waiting period, would apply.

Do NTA's Intensive Care Unit Insurance policies and riders provide benefits if a Covered Person is confined in an Intensive Care Unit due to COVID–19?

Generally, yes provided COVID–19 is first manifested more than 30 days after the Coverage Effective Date (for most policies/riders), and care or treatment was received within Canada, or the United States or its possessions. All other policy provisions would apply.

Do NTA's Accident Insurance policies provide benefits for "accidental" illness due to COVID–19?

No. The transmission of a communicable virus does not meet the definition of Accident or Injury under any of NTA's Accident policy definitions.

Premium Payments

What if I am unable to make my premium payment?

We recommend policyholders to continue to make premium payments since missed payments can affect a policy. However, we do understand that the COVID–19 pandemic may have impacted the ability for some to make premium payments. To help our policyholders maintain their valuable insurance coverage, we are providing an extended period of time to pay policy premiums without losing coverage (grace period) until the end of June 2020.

You will not need to take any action to initiate the grace period extension. If you have any questions or concerns about premium payments, please contact our Customer Service team.

New York

For life insurance policies issued in New York, overdue premiums may be paid over a 12–month period if, (1) you did not make a timely premium payment due to financial hardship as a result of the COVID–19 pandemic; and (2) you can demonstrate financial hardship. For additional information about how to demonstrate financial hardship, please contact our Customer Service team.

Washington, D.C.

For policies issued in Washington, DC, please contact Customer Service for payment plan options.