NRLO was formed in 1983, to expressly serve the interest and needs of Reserve/Auxiliary/Support Law Enforcement Officers nation-wide.  NRLO's Member web site provides Volunteer Law Enforcement "information" which cannot be found anywhere else which can be compared and shared between Departments; the most extensive and inexpensive on duty insurance coverage available; and "deserved recognition" through publishing and through NRLO's awards program for outstanding service to Law Enforcement.  NRLO is always seeking new Membership benefits and services for it's Members.

Cost of Membership:  NRLO Membership is $45 per Member per Year.  Group rates are available (large Units do not have to be 100% in order to qualify for the discount).  Contact NRLO for details on the group discount. Membership includes NRLO's Official Membership Card showing Member number and renewal date; insurance certificate, and NRLO Services.  See Insurance Benefits and Services and How to Apply. 

 Individual NRLO Membership
$45* Annually
(Serving Reserve/Auxiliary/Support Officers for over 27 years)
Get "On-Duty" insurance coverage for "pennies" a day!
*Group Rates Available (Large groups do not have to join 100% to qualify for a group discount)
Contact NRLO for more information on the group discount.
Newest Benefits Added - $50,000.00 Paralysis/Coma; AD&D Seat Belt Benefits;
and Coverage while traveling "directly" to and from assignments.
NRLO is working on adding more Benefits.

Underwritten by
Hartford Life and Accident Insurance Company *
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 INSURANCE BENEFITS

NRLO's Membership On-Duty Insurance Benefits include:

• $50,000.00 should a Member's injury result in paralysis and/or coma
• $30,000.00 excess Accident Medical and Dental
• $20,000.00 Accidental Death
• $20,000.00 (up to Principal Sum) Dismemberment Payments
• Seat Belt Benefit: Added 10% of AD&D Principal Sum
• $200.00 weekly Medical Disability (up to 13 weeks)

COVERED ACTIVITIES:  The policy covers each Insured Person during the policy period while he or she is:

• on duty on the direction of the Policyholder or his/her own Law Enforcement Department; or
• participating in fund-raising drives; training classes, tests, drills or trials of a piece of apparatus connected directly with the duties; or
• traveling with a group in connection with the activities; or
• traveling directly to or from the activities and his or her home or lodging place.

Underwritten by
Hartford Life and Accident Insurance Company *

 Get "On-Duty" insurance coverage for "pennies" a day!
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 Click here for Membership Form 

INSURANCE
ALL INSURANCE BENEFITS UNDERWRITTEN BY
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY *

NRLO Membership of $45 per member per year includes "in-line-of-duty" insurance coverages which are available to those individuals who are associated with a bonifide Law Enforcement Department  (paid or unpaid). NRLO has recently added new benefits, plus NRLO is seeking additional benefits.  (Discount rates are available for groups - large groups do not have to be a 100% participating Unit in order to qualify)  Contact NRLO for more information on the group discount.

On-Duty Members are Covered While Traveling "Directly" to and from Their Assignments (to and from his or her home or lodging place).  Membership provides Paralysis and Coma Benefit of $50,000.00 if a Member's injury results in paralysis or coma within 180 days after the date of the accident.  Excess Accident Medical and Dental Insurance (up to $30,000.00 per incident) is paid if you are injured while performing Law Enforcement functions. Excess Medical includes required medical or surgical treatment, including hospitalization, X-ray examinations, the service of a licensed Doctor or of nurses, and use of ambulatory services. Dental work is excluded on natural teeth when the work is not necessary for the repair or relief of injury (damage to existing bridges or other artificial dental restorations is excluded).  If the Member has no other medical coverage, Excess Accident Medical becomes primary accident medical.  Accidental Death Payment of $20,000.00 is paid if a Member is killed in-the-line-of-duty. Accidental Dismemberment Benefit is paid up to $20,000.00. Seat Belt Benefit is included under AD&D if a Member's injury results in a covered loss under the Accidental Death and Dismemberment Benefit equal to 10% of the Principal Sum while a passenger riding in or the operator of an automobile.  Medical Disability coverage ($200.00 weekly up to 13 weeks) is paid to NRLO Members who realize a loss of income due to an in-line-of-duty injury. Medical Disability pays in addition to any other coverages held including Worker's Compensation.

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 *   The Hartford is The Hartford Financial Services Group, Inc. and Its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.  Policies sold in New York are underwritten by Hartford Life Insurance Company.  Home Office of both companies is Simsbury, CT.  All benefits are subject to the terms and conditions of the policy.  Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.  This brochure/presentation explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued.  In the event of a discrepancy between this brochure and the policy, the terms of the policy apply.  Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder.  Benefits are subject to state availability.

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NRLO's Web Site
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Includes links to your Unit's official web site
(Thousands visit nrlo.net weekly!)
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NRLO receives the latest information submitted by Members and by other sources in the shortest time possible.  The site is updated regularly.  NRLO's site provides a vehicle for networking information between thousands of Reserve/Auxiliary Officers across the nation.  It keeps Members abreast of new training techniques, seminars, and innovative operation and administration procedures.  It provides pertinent news and information originating from fellow Reserve Members in other states.  Visit NRLO's eTraining pages which provides informational articles and "Basic Training for Reserve Law Officers" (Hosted by NRLO Director of Training, Captain Chuck Mantkus) and much more. Visit the "Guest Editors/Trainers" page to see "who's who" in Reserve Law Enforcement.   Post messages on NRLO's SOS Bulletin Board and Message Center.  

NRLO's Membership spans from coast to coast and from border to border; and NRLO Members are the many "eyes and ears" of the "Reserve Law OFFICER," which is being produced on this site in the Publishing pages.  Check to see if your Reserve Unit/Division has been profiled on this site.  If not, submit information including photographs, if possible, to NRLO Publishing, P.O. Box 6505, San Antonio, Texas 78209 or e-mail NRLO (nrloa01@earthlink.net) with the information.

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 HOW TO APPLY

Roster or Applications:  If you are submitting application for a group and wish to expedite getting your volunteers enrolled in NRLO membership and coverage, you may submit a roster (name, title, home phone, address, and name of beneficiary) with payment.  Membership benefits and services are in effect as soon as the roster and/or applications and payment are received.  NRLO tries to keep it as simple as possible for all groups.  Membership forms can be copied from this web site, or forms can be mailed to you.  Just let NRLO know which submission is preferable to you.

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$45 Individual Annual Membership. 
Group Rates Available.
Contact NRLO for more information on Group Rates.

NATIONAL RESERVE LAW OFFICERS ASSOCIATION
P.O. BOX 6505  SAN ANTONIO, TEXAS 78209
(210) 805-8917
nrloa01@earthlink.net