KSKJ Llife

What KSKJ Llife does

KSKJ Life is an Illinois-domiciled fraternal benefit society founded in 1894 that provides life insurance and retirement annuity products exclusively to its members. The company's product portfolio spans term life (10/20/30-year and Junior Term covering children to age 30), whole life across multiple payment structures (Continuous Pay, 10-Pay, 20-Pay, Single Premium), the customizable MyLife Series (MyLIFE Plus with dividends and MyLIFE Secure with lower premiums and no anticipated dividends), Multi-Year Guaranteed Annuities (MYGAs) in 2-10 year terms (with 2026 rates including a 5-year at 5.30% APY and 10-year at 5.45% APY), Flexible Premium Deferred Annuities with bonus rate options, and Single Premium Immediate Annuities (SPIAs). Beyond core insurance, KSKJ Life distributes VSP Vision Plans and operates a member benefits program that includes educational grants ($639,000 awarded since 2015), volunteer programs (100,000+ hours since 2010), and recurring community initiatives such as the Stepping Up virtual challenge, Supporting Soldiers/Honor Flight, KSKJ Days, and Family Days.

The company operates a dual distribution model combining a network of licensed insurance agents (supported by seamless eApp technology, fast commission processing, and annual incentive trips) with a fraternal lodge structure spanning 36 states plus Washington D.C., with a stated objective of being licensed in every U.S. state except New York by end of 2027. As a non-profit, member-owned fraternal benefit society, KSKJ Life generates revenue from recurring life insurance premiums and one-time annuity deposits rather than equity capital, with no external parent, no private equity investment, and no funding rounds disclosed. Marketing channels include the company website and "In the Know" blog for top-of-funnel content, "The Buzz" email newsletter for mid-funnel engagement, and lodge-based events plus the agent channel for bottom-of-funnel conversion. Pricing for life insurance is quote-based and not publicly disclosed, while annuity rates are published and subject to periodic updates.

The organization's value proposition is built on a community-anchored fraternal model: members receive financial protection products plus non-insurance benefits (educational grants, vision coverage, charitable engagement) and access to a lodge-based social network, distinguishing KSKJ Life from purely commercial insurers. Strategic priorities evidenced in the source material center on geographic licensing expansion, agent productivity tooling, annuity product competitiveness in a high-rate environment, and reinforcement of fraternal identity through member programs. The company is headquartered in Joliet, Illinois, employs 11-50 people, and is governed by its members through the lodge system.

Name

KSKJ Llife

Legal name

KSKJ Life

Website

https://kskjlife.com

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

11–50 employees

Short description

KSKJ Life is an Illinois fraternal benefit society founded in 1894 that provides term and whole life insurance, MYGAs, SPIAs, and Flexible Premium Deferred Annuities to individual and family members across 36 states plus Washington D.C., distributed through licensed agents and a fraternal lodge network.

Ownership category

akta.pro rank

Headquarters

HQ city

Joliet

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others, Infrastructure

Revenue model

1. Life Insurance Premiums: Traditional life insurance products including term life, whole life (continuous pay, 10-pay, 20-pay, single premium), and the MyLife Series (MyLIFE Plus with dividends, MyLIFE Secure lower premiums). Revenue generated from policy premiums paid by members.
2. Annuity Products: Multi-Year Guaranteed Annuities (MYGAs) with terms from 2-10 years, Single Premium Immediate Annuities (SPIAs), and Flexible Premium Deferred Annuities. Revenue from annuity deposits and associated fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

KSKJ Life is an Illinois fraternal benefit society that sells life insurance and annuity products exclusively to its members. Core offerings include term and whole life insurance (with continuous-pay, 10-pay, 20-pay, and single premium structures), the MyLife Series (MyLIFE Plus and MyLIFE Secure), Multi-Year Guaranteed Annuities (MYGAs) with 2-10 year terms, Single Premium Immediate Annuities (SPIAs), and Flexible Premium Deferred Annuities. Products are underwritten by the society and distributed through a network of licensed insurance agents supported by a lodge-based fraternal member system across 36 states plus Washington D.C.

Product overview

KSKJ Life is a fraternal benefit society offering a comprehensive portfolio of life insurance and retirement income products. The core offerings include term and whole life insurance products (Term Life, Whole Life with various payment structures including Continuous Pay, 10-Pay, 20-Pay, and Single Premium options), the MyLife Series with customizable MyLIFE Plus and MyLIFE Secure variants, and retirement solutions including Multi-Year Guaranteed Annuities (MYGAs) in 3, 5, and 10-year terms, Flexible Premium Deferred Annuities, and Single Premium Immediate Annuities (SPIAs). Beyond insurance, members receive additional benefits including VSP Vision Plans, educational grants, and community programs such as the Stepping Up virtual challenge. The products are designed to serve members throughout various life stages, from youth coverage through retirement income planning.

Differentiator

Problem solved

Functional benefit

Brands

• Income Later: Multi-Year Guaranteed Annuity (MYGA) products offering guaranteed growth with no market risk, with terms from 2 to 10 years.
• Income Now
• MyLife Series

Quantifiable outcome

• $5,258 raised for Honor Flight veteran support
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor.

• VSP Vision PlansminorStrategic or Co-development PartnerPartnership offering VSP Vision Plans to KSKJ Life members as an additional benefit beyond life insurance and annuity products.
• Honor FlightminorStrategic or Co-development PartnerKSKJ Life's 'Supporting Soldiers' National Initiative raised $5,258 to support Honor Flight, providing veterans with trips to visit memorials in Washington D.C.
• American RiversminorStrategic or Co-development PartnerStepping Up 2026 virtual challenge supports American Rivers' mission to protect clean water and healthy rivers. Event proceeds donated to the organization.
• NicasaminorStrategic or Co-development PartnerWaukegan KSKJ Golf Outing benefits Nicasa (local nonprofit). Annual matching funds events support various community organizations.
• Sunny Hill Nursing HomeminorStrategic or Co-development PartnerKSKJ Days Join Hands Day activities at Sunny Hill Nursing Home where lodge members volunteer for spring clean up and flower planting.
• St. Joseph ChurchminorStrategic or Co-development PartnerLodge #2 volunteers assist with St. Joseph Church Good Friday Fish Fry fundraising events.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Thrivent Financial: Fraternal benefit society offering life insurance, annuities, and faith-driven member benefits. Operates a similar member-owned mutual structure with community programs and lodge/chapter engagement analogous to KSKJ Life.
• Modern Woodmen of America: Fraternal benefit society providing life insurance, annuities, and member benefits through a local representative/lodge network. Closely matches KSKJ's fraternal structure, product mix, and community-driven model.
• WoodmenLife: Fraternal benefit society offering whole life, term life, and annuities through a field representative model. Similar member benefits, lodge structure, and life insurance / retirement income product set as KSKJ Life.
• Knights of Columbus: Catholic fraternal benefit society with a long-standing insurance operation (term, whole life, annuities, long-term care) sold exclusively to members through agents. Matches KSKJ's community-rooted fraternal insurance model.
• Foresters Financial: Fraternal benefit society offering whole life, term, universal life, and annuities with member benefits. Comparable structure to KSKJ Life as a member-centric mutual fraternal insurer serving individuals and families.
• Catholic Financial Life: Fraternal benefit society providing life insurance and annuities to Catholic members with community programs and grants. Comparable faith/community-rooted mutual fraternal structure to KSKJ Life.
• Royal Neighbors of America: Fraternal benefit society issuing life insurance and annuity products to members through a community-based structure. Direct analog to KSKJ's member-owned fraternal insurance business model.

Broad incumbents

• Sammons Financial Group: Mid-size private financial services holding company selling life insurance, annuities, and retirement products (North American Company, Midland National). Comparable product mix in life and fixed annuities, though a larger private incumbent rather than a fraternal society.
• Globe Life Inc. Public life insurance holding company with multiple life brands distributing term and whole life through captive agent networks. Comparable multi-state life insurance distribution but a much larger, public incumbent.
• GLOBE Life (direct-to-consumer life insurer): Multi-state life insurance carrier focused on term and whole life sold through direct-to-consumer and agent channels. Comparable in product set and U.S. distribution footprint, though operates at a far larger scale than KSKJ Life.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kskjlife

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KSKJ Llife