Like most other insurance plans, the NRA's offers different benefits depending on how much a member pays. The entry-level "Bronze" plan offers $250,000 in civil protection and $50,000 in criminal defense for $13.95 each month, according to its website. "Gold Plus" is Carry Guard's premium plan. For a monthly payment of $49.95 a month — or $549.95 per year — cardholders are covered for $1.5 million in civil defense and $250,000 in criminal defense. Insurance giant Chubb is underwriting the policies, which are being administered by Lockton Affinity.