Frequently Asked Questions

A 501(c)(8) organization is a not-for-profit fraternal benefit society. Unlike traditional insurance companies, these organizations are structured to support their members — not shareholders.

Because they operate as not-for-profits, many offer living benefits and member programs such as education grants, wellness support, community assistance, and emergency aid — depending on your location and policy type.

Yes. Membership in a 501(c)(8) organization is tied to holding a life insurance policy. That policy is what provides access to the benefits, programs, and member support available through the organization.

Most people are familiar with for-profit insurance companies — the kind you see advertised on TV. These policies are often designed to pay out only after someone passes away.

Not-for-profit life insurance policies may include living benefits that can be used while you’re alive, depending on your policy and state. The goal is not just coverage, but ongoing support for members and their families.

Living benefits are programs or features that allow you to receive value from your policy while you’re still living — not just after death.

These may include:

• Education or scholarship programs

• Wellness and preventive care support

• Community or volunteer grants

• Emergency or hardship assistance

Availability varies by state and policy, which is why education and review are so important.

That’s extremely common — and a great place to start.

Many people come to us for a policy review to understand:

• What their current policy actually includes

• Whether coverage lasts as long as they think

• If premiums increase later

• What benefits they may be missing entirely

You are never required to switch policies. Our role is to help you understand your options clearly.

No. A review does not require changes. Some people keep what they have. Others adjust coverage after learning more. The decision is always yours.

There’s no single “right” policy for everyone. The best option depends on your:

• Family situation

• Financial goals

• Budget

• State regulations

• Desired benefits

That’s why we start with education and comparison — not assumptions.

Costs vary based on age, health, coverage amount, and location. Many people find pricing to be comparable to traditional life insurance, with significantly more value through member benefits.

During a discovery call or policy review, we can walk through real numbers based on your situation.

There’s a wide range. Some families pay less than they expected, while others realize they’re already paying similar amounts for less coverage or fewer benefits elsewhere.

The key isn’t just cost — it’s what you’re actually getting for it.

Often, no. Many policies are approved without:

• Physical exams

• Bloodwork

• Doctor visits

Approval timelines can range from immediate to 24–48 hours, depending on the policy.

Coverage depends on the policy and carrier, but many people with pre-existing conditions still qualify for options. This is something we review carefully during your consultation.

Programs vary by state and organization, but may include education, wellness, community, or emergency support. Not everyone qualifies for everything — which is why we focus on clarity over assumptions.

We work with multiple not-for-profit fraternal benefit societies that meet high standards for stability and longevity. Many have been in operation for over 100 years.

We don’t promote carriers publicly. Instead, we match people with options available in their state.

A discovery call is educational — not a sales pitch.

We’ll talk about:

• Your goals and family situation

• What coverage you currently have (if any)

• What not-for-profit options exist in your state

• What benefits you may qualify for

There’s no obligation to move forward.

Support doesn’t stop after approval. We remain available to:

• Answer questions

• Help you access benefits

• Review coverage as life changes

• Provide ongoing guidance

Many clients choose periodic reviews to stay informed.

You can start in two ways:

• Schedule a free benefits discovery call

• Request a policy review if you already have coverage

Both options are educational, pressure-free, and designed to give you clarity.