Life Insurance

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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

Coverage for a specific period of time.
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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.
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Permanent Life Insurance

Protection throughout your lifetime.
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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. 

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Care Insurance

Peace of mind for your retirement.
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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.

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Protect your standard of living.
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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.

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Life Insurance Retirement Plan

Supplement your retirement savings.
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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.

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Life Insurance Calculator

Crunch the numbers to determine how much term life insurance coverage you may need.
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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