Membership in NAIW may  be accomplished in two ways Active members An active member is an individual employed in the risk and insurance field, who belongs to one of NAIW's nearly 400 local affiliated associations. This is by far the most wide-spread means of attaining membership; these members enjoy the "hands-on" benefits they receive from belonging to a local group which meets regularly and provides networking on a more localized basis. These members automatically belong to the national association through their membership in the local association. Member-at-large Many insurance employees, however, cannot or do not wish-to belong to a local-association. Perhaps they travel and cannot attend local meetings regularly; perhaps they simply don't have the time or interest in becoming involved in local projects and activities; perhaps there is no local affiliate in their geographic area. For these people, membership-at-large is the better approach. This membership category (as with the active membership, available only to those employed in the risk and insurance field) provides a membership directly to the national association only, with no local affiliation. How to Apply Download and complete NAIW of Southern New Jersey’s local association application. Click here