Life Insurance

hero image

Financial Peace of Mind for the Future

You have people who depend on you. So, it’s important to have a plan to ensure their financial security, for right now and in the future. And while it isn’t anyone’s favorite topic, a life insurance policy is a great step toward reaching this goal. Life insurance is one way to face the unknown with the assurance that the people you love will continue to have the financial resources they need. Our Insurance Agents can help you determine how much coverage is enough and walk you through the steps to put it in place.

Our Life Insurance Plans

Term Life
Insurance


Coverage for a specific period of time.
Get a Quote
One of the more popular forms of life insurance and typically one of the most cost effective.

Term life insurance provides coverage over a specified amount of time, typically 10, 20 or 30 years. Replacing a source of income or covering a loan, such as the mortgage on your home, are common uses for term life insurance.
Learn More

Permanent Life Insurance


Protection throughout your lifetime.
Get a Quote

Permanent life insurance, sometimes referred to as "Whole Life",  provides lifelong protection.

 

As long as you pay your premiums, this coverage will never go away and, at your death, will be paid out to your chosen beneficiaries on a tax-free basis.

“Whole” life and “universal” life are the two most common types of permanent insurance. Permanent policies also have the ability to build cash value, typically tax deferred, which you can access if needed while you are alive. 

Learn More

Long-Term
Care Insurance


Peace of mind for your retirement.
Get a Quote

An important tool for protecting your retirement savings and long-term financial stability.

 

Long-term care can be an emotionally charged topic. After all, no one wants to think about themselves or their loved ones being incapable of living on their own.

You can count on us to help you create a long-term care plan that’s best-suited for you and your family’s needs.

Learn More

Long-Term
Disability


Protect your standard of living.
Get a Quote

Income protection when injury and illness keeps you out of work for three months or longer.

 

Coverage also includes permanent disabilities that leave you unable to return to work. When purchased by an individual, long-term disability coverage is paid out on a tax-free basis and can provide coverage up to age 70 for some occupations.

Learn More

Life Insurance Retirement Plan


Supplement your retirement savings.
Get a Quote

Use the cash value of a permanent life insurance policy for retirement income.

 

The cash value grows tax deferred and, if accessed properly, can be withdrawn tax-free anytime without penalties. This strategy is not appropriate for everyone, but may be a great tool in certain circumstances.

Talk to our Insurance Agents for more details.

Learn More

Get Your Customized Quote

Calculators

Heart Emblem on Defense Shield Icon

Life Insurance Calculator

Crunch the numbers to determine how much term life insurance coverage you may need.
Calculate Now
Stopwatch with a Dollar Sign in the Middle Icon

Start Retirement Savings Calculator

See how much more you’d have at retirement by beginning your savings plan today rather than waiting.
Calculate Now
Calculator Icon

See All Calculators

Try out a variety of different calculations to help you better prepare for your financial future.
View All

Ready to get started?

Our online quote process is quick and easy.

Get a Free Quote
Profit Payout Share

Profit Payout*

Investing in YOU by sharing our profits.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like better rates, lower fees, and our Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.

Estimate Your Payout

Member Favorites

Stock Market Graphic, Piechart, and Dollar Sign Icon

Wealth Management

Our Wealth Advisors can help you create a financial plan.
Learn More
Car Emblem on Defense Shield Icon

Auto Insurance

Cruise with confidence knowing your ride is covered. We can help you find the right policy.
Learn More
Piggy Bank with Coin Being Inserted Icon

High Interest Savings

Grow your money faster at a rate of up to 5.00% APY1 on balances up to $2,500.

Learn More

Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products:


Are Not Federally Insured

Involve Investment Risk

May Lose Value

Are Not Obligations or Guaranteed by the Credit Union