Covenant Coverage“A good person leaves an inheritance for their children’s children.”
Proverbs 13:22 (NIV)
Faith-based protection for the family you love.
- Whole life coverage from a Christian not-for-profit society, serving families since 1894
- No medical exam, with an instant decision
- Full coverage from day one for those who qualify*
- Coverage up to $200,000, for babies through seniors
- Dividend-paying plans available†
Free and no obligation. Serving families in 12 states.
Request your free quote
Coverage rooted in faith and family
Our featured plans come from a Christian not-for-profit fraternal benefit society. Members join a community that has cared for families for over 130 years.
Faith and values
Founded in 1894 by Slovenian immigrants to help the widows and orphans of miners and mill workers. That mission continues today.
No medical exam
No needles and no doctor visits. Answer a few health questions and you may get a decision right away.
Coverage for life
Whole life coverage that can last to age 121. Your rate is locked in when you apply.
Day-one protection
If you qualify, your full benefit starts the first day. No waiting period.*
Dividends
Participating plans may pay dividends, which can add value to your policy over time.†
Member benefits
Members may qualify for programs like a one-time $1,000 educational grant for students.‡
“Do not boast about tomorrow, for you do not know what a day may bring.”Proverbs 27:1 (NIV)Plan for tomorrow today
A gift for every generation
“A good person leaves an inheritance for their children’s children.” Proverbs 13:22
Plans are available from infancy through the senior years. Many grandparents start a policy for a grandchild, so the coverage and its cash value grow with them for life.
How it works
Tell us about you
Fill out the short form or call. It takes about two minutes.
Review your plan
A licensed agent explains your options and price in plain English.
You decide
Apply only if it is right for your family. No pressure.
Peace of mind for the ones you love
“Peace I leave with you; my peace I give you. … Do not let your hearts be troubled.” John 14:27
When the time comes, your family can focus on prayer, remembrance, and each other, not on bills. A whole life policy can help pay for a funeral, final expenses, or leave a gift to your loved ones or your parish.
How dividends can grow your coverage
Some plans are “participating” policies. That means members may share in the society’s results through yearly dividends.
1. A dividend may be paid
Each year, the society may pay a dividend on participating policies. Dividends depend on its results and expenses, so they can change, and they are not guaranteed.
2. It can buy paid-up insurance
You can choose to use dividends to buy small amounts of extra coverage that are fully paid for. No more premium is ever owed on that added coverage.
3. Your death benefit can grow
Each addition raises your death benefit and cash value. Added coverage earns dividends too, so the growth can build over the years.
What it means for your family: your base death benefit is guaranteed. Any paid-up additions are added on top of it, so the amount paid to your beneficiaries can be higher than the amount you started with.
Other dividend choices may include taking cash, lowering your premium, or leaving dividends to earn interest. Dividends are not guaranteed and future amounts may be more or less than illustrated. Guarantees rely on the financial strength and claims-paying ability of the insurer.
A sample of how coverage can grow
Hypothetical example: $25,000 starting death benefit, about $50 a month, with any dividends used to buy paid-up insurance.
Guaranteed base death benefit ($25,000)Paid-up additions from dividends (not guaranteed)
In this example, the death benefit grows from $25,000 to about $30,314 by year 20, with no increase in the monthly payment.
This is a hypothetical example for education only. It is not a policy illustration and does not show the actual results of any insurer or product. It assumes dividends are paid every year starting in year 2 and used to buy paid-up insurance. Dividends are not guaranteed, may be more or less than shown, and may be zero. Premiums vary by age, health, and plan. Ask for an official illustration before you apply.
“There is a time for everything, and a season for every activity under the heavens.”Ecclesiastes 3:1 (NIV)
Common questions
What is a fraternal benefit society?
It is a not-for-profit membership organization that offers life insurance to its members and gives back through charity and community programs. The society behind our featured plans is a Christian not-for-profit fraternal society founded in 1894.
Who can become a member?
Membership is open to people who share the society’s Christian faith and values.
Do I need a medical exam?
No. You answer health questions on the application, and many people get a decision right away. Approval depends on underwriting.
Can I buy coverage for my child or grandchild?
Yes. Plans are available for young children, with the parent or legal guardian's consent.
What are dividends?
Participating plans may share the society's results as yearly dividends. You can use them to buy paid-up insurance that raises your death benefit, take cash, or lower your premium. Dividends are not guaranteed.
What states do you serve?
Alabama, Arizona, Georgia, Indiana, Kentucky, Michigan, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, and West Virginia. Plan availability varies by state.
Talk to a licensed agent today.
“God is our refuge and strength, an ever-present help in trouble.” Psalm 46:1
Simple answers. No pressure.