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Fraternal Benefits
In addition to our life insurance and annuity products, FCSLA Life provides member benefits that go above and beyond.
Operating as a not-for-profit for the sole benefit of its members, the organization refunds annual surplus (profits) back to its members. These refunds, when qualified, can take the following forms:
- Competitive insurance premiums
- Guaranteed annual rate on annuities
- Newborn infant fraternal benefit – see below for details
- Educational scholarships
- Charitable contributions
- Community involvement
Newborn Infant Fraternal Benefit
The death of an infant is a tragic loss which brings grief and the financial burden of final expenses. The presence of a birth defect is just as heartbreaking. A child born with a defect will often be rated as a special risk or may not even qualify for life insurance.
This is why FCSLA Life offers the Newborn Infant Fraternal Benefit. Members who are eligible for this fraternal benefit receive special protection for their newborn in two ways:
1. Death Benefit for Newborn Children
- The sum of $2,500 if one parent qualifies.
- The sum of $5,000 if both parents qualify.
- Protection is from the 8th through the 60th day of life at no premium.
2. Guaranteed Insurability Benefit for Newborn Children
- Up to $5,000 permanent life insurance or $10,000 Super Youth Plan if one parent qualifies.
- Up to $10,000 permanent life insurance or $20,000 Super Youth Plan if both parents qualify.
For more information about these financial products, please use our interactive contact form.
