Just Announced: National Mutual Benefit (NMB) and Western Fraternal Life Association (WFLA) will be consolidating as equals! Visit www.nmbwflmerger.com for additional information.

People Helping People in Time of Need
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We're a different kind of life insurance company.
See how we're supporting our members' communities during the COVID-19 crisis.
Our Response to COVID-19
Learn what we are doing to keep our members and employee's safe during the pandemic.

Life Insurance Protection You Can Trust

Reliable Protection

We have been protecting our members for 118 years. We are not only strong and stable, we are growing and building a bright future for our members and their families.

Honest Advice

Our licensed agents can help put together a plan that works for you - your budget and your needs. At NMB, we do what's best for our current and future members.


As a member-owned company, we provide so much more than protection; we offer exclusive member benefits and a community that likes to have fun and help others.

Protection Designed for Life

Scroll over or click the boxes to learn about each option.

Term Life Insurance

Simple & Affordable

Our Term Life Insurance offers budget-friendly protection for 15, 20, or 30 years.

Universal Life Insurance

Ultimate Flexibility

Our Universal Life Insurance has the flexiblity to adapt to your changing needs over time.

Whole Life Insurance

Permanent Protection

Our Whole Life Insurance offers guaranteed protection that can last a lifetime.

Children's Life Insurance

A Gift that Keeps On Giving

Children's Life Insurance provides a number of benefits that protect your child or grandchild.

Final Expense Insurance

Simple, No Medical Exam

Lift the burden from your loved ones by purchasing life insurance that can help pay your final expenses.


Safe, Guaranteed Income

Our fixed annuities are ideal for those approaching or in retirement because they offer guaranteed growth.

We'll help you get started.

Comparison Charts

What life insurance options are there?

Life Insurance Calculator

How much life insurance do I need?

Member Benefits

What additional benefits are available?

We do more than protect people. We make an impact.

Take a look at the difference we made with our members’ help in 2019. Money raised by members and donated by NMB went to a variety of causes that help our members as well as people in the communities where our members live.

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Raised by Members
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Matched by NMB
Total Volunteer Hours
Community Events

Chat with an Insurance Agent

Set up a 30 minute appointment to get all of your questions answered by one of our licensed life insurance agents. We can meet in person, over the phone, or with a video chat! Fill out the form and your local agent will reach out to you to set up a time to meet.

We serve the following states: AZ, CO, IL, IA, MI, MN, ND, NE, SD, WI & WY.