Moose Membership: Life Insurance Benefits And Beyond

Moose membership comes with a range of insurance benefits, including life insurance. MooseVIP offers individual term life insurance, senior term life insurance, and group term life insurance for members under 50. Moose members can also access Moose Insurance Program, which includes property insurance, workers' compensation insurance, and volunteer accident insurance. Additionally, Moose members can take advantage of the free term life insurance shopping service, Insurance Central, which helps members find the right policy at the best price.

MooseVIP Term Life Insurance

MooseVIP offers a free term life insurance shopping service, with competitive rates for members. In just minutes, Moose members can access Insurance Central, which will search an extensive database to help find the right policy at the best price. This service can help members save up to 70%.

MooseVIP also offers Senior Term Life Insurance, which allows members to quickly and conveniently boost their coverage or that of their spouse by up to $20,000. This benefit can be used to supplement any existing insurance, reinforce safety nets diminished by inflation, or help pay off mortgages, medical bills, or final expenses.

Additionally, for members under 50, Group Term Life Insurance offers the opportunity to set up additional coverage of $50,000 in member benefits as they build their careers or experience changes in their family.

MooseVIP is committed to helping members protect their loved ones and secure their financial future through a range of life insurance options tailored to their needs.

Senior Term Life Insurance

There are several types of senior life insurance plans to choose from, including term life insurance and whole life insurance. Term life insurance covers a certain amount of time, while whole life insurance provides coverage for an individual's entire life. There are also final expense insurance plans, which are permanent life insurance policies that offer smaller death benefits to cover funeral, burial, and other end-of-life expenses.

When choosing a senior term life insurance plan, it is important to consider your coverage needs and budget. You can find a policy with flexible coverage options and affordable premiums that fit your needs. Additionally, some plans offer a cash value component that can be accessed early to help pay off large expenses.

It is also recommended to work with a life insurance advisor, who can educate you on your options and help you find the ideal policy for your unique circumstances.

• Guardian Life Insurance: Offers both term and whole life policies. Allows flexible payment options and has few complaints, making it a smart choice for many seniors.
• MassMutual: Provides term life insurance with generous coverage and no limit on the amount of term insurance you can get. Also offers whole life insurance for applicants up to 90 years old.
• Northwestern Mutual: The largest insurer in the US, with high customer satisfaction scores. Offers term and whole life coverage for applicants up to 70 and 85 years old, respectively. Consistently pays dividends to eligible customers.
• New York Life: Offers a wide range of coverage amounts, from $25,000 to over $1 million. Issues policies for applicants up to 75 years old for term life insurance and 90 years old for whole life insurance.
• State Farm: Known for its exceptional customer service and customizable coverage. Offers term life insurance for applicants up to 75 years old.
• USAA: Allows conversion of term policies to permanent coverage and offers guaranteed issue policies without a health questionnaire or medical exam. Provides term and whole life insurance for seniors up to 70 and 85 years old, respectively.

Remember to carefully review the features, coverage amounts, and restrictions of each plan to find the one that best suits your needs.

Group Term Life Insurance

The benefit level can be a flat amount, such as $50,000, and there is often an option for extra coverage if the employee wants to pay the additional premiums. Eligible employees are automatically enrolled, and there is usually no medical exam or underwriting required.

However, it is worth noting that group term life insurance may not provide sufficient coverage for all families, and additional coverage may be needed. Additionally, group term life insurance is usually not portable, so individuals may lose their coverage if they change jobs.

Moose Insurance Program

The Moose Insurance Program, developed by Lockton Affinity, is an insurance program built exclusively for Moose Lodges. It is designed to cover the risks that your Lodge faces every day, including property insurance, workers' compensation, fidelity, special event, general liability, and liquor liability.

Property insurance safeguards your Lodge, which is likely your greatest asset and your greatest risk. This policy includes coverage for buildings, contents, business personal property, business interruption, extra expense, money and securities, forgery and alteration, fraternal regalia, fraternal paraphernalia, building glass, outdoor signs, fine arts, valuable papers, and more.

If you have Workers' Compensation insurance, your Lodge's employees are protected, but your volunteers are not. With Volunteer Accident Insurance from Lockton Affinity, your volunteer workforce can be protected too. This policy covers your Lodge from the medical costs associated with an accidental injury a volunteer can incur while working on behalf of your Lodge.

Special Event Insurance is also available exclusively for your Lodge and can be purchased online. This coverage is necessary for any events that are not sponsored by Moose.

In addition to insurance, Moose members have access to various health and lifestyle benefits, such as telemedicine, prescription discounts, roadside assistance, legal services, discounts on hearing aids, dental discount programs, and vision discount programs. Moose members can also take advantage of life insurance offerings through MooseVIP and Insurance Central.

MooseVIP Health Insurance

One of the key features of MooseVIP is its Individual Term Life Insurance. This insurance option helps you secure your family's future by providing financial protection in your absence. MooseVIP's licensed life insurance specialists work with top-rated carriers to find the right policy for your needs, ensuring you get the best possible price without any pressure to buy.

Additionally, MooseVIP offers a Cancer Care Insurance Plan, which provides cash benefits to help cover the cost of cancer treatment. This plan ensures that you don't deplete your savings while undergoing cancer treatment, giving you peace of mind during a difficult time.

MooseVIP also provides a range of other insurance options, including Medicare Supplement, Accidental Death Benefits, and Dental Insurance. They also offer Medical Insurance for your pets, Prescription and Medical Needs Discounts, and a MoosePerx Health and Lifestyle Benefits Package, which includes telemedicine, prescription discounts, roadside assistance, and legal services.

With its wide range of health insurance offerings, MooseVIP is committed to providing financial security and peace of mind for its members and their families.

Frequently asked questions