Trusted Fraternal Life
- Company typePrivate
- Founded2024
- HeadquartersMilwaukee, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
Trusted Fraternal Life firmographics
Firmographics- Name
- Trusted Fraternal Life
- Legal name
- Trusted Fraternal Life
- Website
- https://trustedfraternallife.org
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Where Trusted Fraternal Life is headquartered
LocationHeadquarters
- HQ city
- Milwaukee
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Trusted Fraternal Life business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Life Insurance Premiums: Term life, whole life, and final expense insurance products generate recurring premium revenue from policyholders. Premium payments form the core revenue stream supporting the organization's operations and reserve requirements.
- Annuity Products: Single Premium Deferred Annuities (SPDA) and other retirement planning products generate fee and spread-based revenue. Annuities provide tax-deferred growth and income solutions for retirement planning.
- Catholic Brokerage Services: Subsidiary that allows licensed representatives to sell insurance products from other companies, generating commission-based revenue through a multi-carrier distribution model.
- Medicare Supplement Insurance: Through Catholic United Financial brand, the organization offers Medicare supplement insurance products generating premium revenue.
- Credit Union Services: Catholic United Financial Credit Union provides banking services including accounts, lending, and financial services to members.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Term Life Insurance starting at $15/month |
| Subscription | Monthly | Whole Life Insurance Products |
| Subscription | Monthly | Final Expense Insurance |
| One time/ perpetual license | Pay-as-you-go | Single Premium Deferred Annuity (SPDA) |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Trusted Fraternal Life product offering
Product offeringCore offering
Trusted Fraternal Life is a fraternal benefit society that underwrites and distributes life insurance and annuity products—including term life, whole life, final expense, and single premium deferred annuities—through a contracted network of independent insurance agents. Products are issued under a family of brands (Catholic Financial Life, Degree of Honor, Woman's Life, Catholic United Financial) that share financial strength, underwriting technology, and member-fraternal services.
Product overview
Trusted Fraternal Life is a fraternal benefit society organized as a family of brands—Catholic Financial Life (flagship), Degree of Honor, Woman's Life, and Catholic United Financial—offering a comprehensive portfolio of life insurance and annuity products. The product lineup centers on term life insurance (including Instant Decision Term for quick approvals, Term Life for Children, and 10/20/30-year terms), permanent whole life options (Whole Life, 20-Pay Whole Life, Single Premium Whole Life, Value Life, Final Expense), and annuities (Single Premium Deferred Annuity). Add-on riders like the Living Benefit Rider provide accelerated death benefits for critical illness situations. The brands maintain distinct identities while sharing financial strength, technology, and product development under the Trusted Fraternal Life umbrella.
Differentiator
Problem solved
Functional benefit
Products and services
- Term Life Insurance Term life insurance providing coverage for a specified period (10, 20, or 30 years) at affordable rates, with conversion options available until policy anniversary following insured's 75th birthday. Pricing starts at approximately $15/month for $250,000 of 20-year term for a healthy 22-year-old female.
- Term Life for Children Term life insurance designed for children, providing affordable coverage that locks in insurability for the future.
- Instant Decision Term Term life insurance with an automated underwriting system that provides approval, denial, or referral decisions on applications in less than 15 minutes without requiring medical exams.
- Whole Life Insurance Permanent life insurance providing lifetime coverage with guaranteed death benefits and cash value growth.
- 20-Pay Whole Life Whole life insurance paid over 20 years, providing permanent coverage with cash value accumulation that never expires.
- Single Premium Whole Life Whole life insurance funded with a single lump-sum premium payment, providing immediate permanent coverage with cash value.
- Value Life
Quantifiable outcome
- A insurance financial strength rating with stable outlook from KBRA
- +4 more outcomes
Companies that use Trusted Fraternal Life
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles5 records
Trusted Fraternal Life technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Trusted Fraternal Life partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Notre Dame Federal Credit UnioncoreTrusted Fraternal Life and Notre Dame Federal Credit Union partnered in June 2026 to expand financial solutions and resources for members of both organizations. The partnership focuses on financial wellness, education, and member awareness initiatives to help individuals and families strengthen financial security. Two mission-driven organizations with shared Catholic values collaborate to provide trusted guidance, accessible financial products, and long-term relationships. Each organization continues to manage its own member relationships while developing joint programs.
- Catholic United FinancialcoreMerger completed January 1, 2025 brought Catholic United Financial (headquartered in Arden Hills/ Saint Paul, Minnesota) into the Trusted Fraternal Life family of brands. Catholic United Financial has nearly $1 billion in assets and 75,000 members concentrated in Minnesota, North and South Dakota, Iowa, and Wisconsin. Founded in 1878, the organization provides life insurance, retirement products, Medicare supplement insurance, credit union services, and charitable giving planning. The merger preserves Catholic United Financial's 146-year history, identity, and Catholic community efforts.
- Woman's Life Insurance SocietycoreMerger completed September 1, 2024 brought Woman's Life Insurance Society (headquartered in Port Huron, Michigan) into the Trusted Fraternal Life family of brands. Woman's Life has $200 million in assets and 23,000 members in 70 chapters, primarily in the Great Lakes region. The merger enhances product offerings, technology, and distribution while preserving the Woman's Life mission and brand identity. Founded in 1892, Woman's Life creates opportunities for women to build financial security and supports community outreach.
- Degree of HonorcoreDegree of Honor is a brand within the Trusted Fraternal Life family of brands, helping families thrive through financial security and community. The organization was founded over 150 years ago when families of America's rail workers came together to support each other. The Degree of Honor brand maintains its heritage fraternal benefits and community bonds.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Trusted Fraternal Life competitors and assessment
Company assessmentBroad incumbents
- Northwestern Mutual: Large US mutual life insurance and wealth management company selling term, whole, and universal life plus annuities through a captive advisor network. Comparable in mutual-like member ownership philosophy and full life/annuity product suite, but a much larger, non-fraternal incumbent.
- New York Life: Large US mutual life insurance company offering a broad life, annuity, and retirement income product suite through a career agent force. Comparable in mutual governance and life/annuity product focus, but a national-scale incumbent versus TFL's regional fraternal scope.
- MassMutual: Major US mutual life insurance carrier offering term, whole, universal life, and annuities through a career and broker channel. Comparable in mutual ownership and product breadth, with substantially larger scale and a non-fraternal distribution model.
- Mutual of Omaha: Mutual insurance and financial services company offering life insurance, annuities, Medicare supplement, and bank products. Closely comparable in product mix (term, whole, SPDA, Medicare supplement) and in adjacent credit union/banking services, with a national non-fraternal footprint.
Direct peers
- WoodmenLife: Fraternal benefit society offering life insurance, annuities, and retirement products with a community-chapter engagement model. Comparable fraternal governance, product portfolio, and member-focused values proposition.
- Knights of Columbus: Largest Catholic fraternal benefit society in the US, offering term and permanent life insurance, annuities, and long-term care insurance to Catholic families. Most directly comparable peer because of the shared Catholic member focus, fraternal structure, and life insurance/annuity product mix.
- Thrivent Financial: Largest fraternal benefit society in the US, offering life insurance, annuities, and wealth management to Christian-aligned members. Comparable in fraternal structure, multi-product portfolio, and member-owned mutual-like governance, but operates at materially larger scale.
- Modern Woodmen of America: Top-five US fraternal benefit society selling life insurance, annuities, and retirement products through a fraternal chapter system. Closely comparable in member-owned fraternal model and product mix, with a similar Midwest geographic footprint.
- Catholic Order of Foresters: Smaller Catholic fraternal benefit society offering life insurance and annuities to Catholic families. Directly comparable in faith-based fraternal structure and target member base, though at smaller scale than TFL.
Emerging players
- Gleaner Life Insurance Society: Small US fraternal benefit society offering life insurance and annuities with a community-chapter model. Comparable fraternal structure and life/annuity focus, though at materially smaller scale and a potential tuck-in consolidation target.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Trusted Fraternal Life social profiles
Digital presenceTrusted Fraternal Life financial estimates
Financial estimateRevenue estimate
Valuation estimate
Trusted Fraternal Life leadership team
Management profileNumber of profiles
Profiles26 records
Trusted Fraternal Life subsidiaries and ownership
Company hierarchySubsidiaries7 records
Trusted Fraternal Life funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Trusted Fraternal Life M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Trusted Fraternal Life
What does Trusted Fraternal Life do?
Trusted Fraternal Life is a fraternal benefit society that underwrites and distributes life insurance and annuity products—including term life, whole life, final expense, and single premium deferred annuities—through a contracted network of independent insurance agents. Products are issued under a family of brands (Catholic Financial Life, Degree of Honor, Woman's Life, Catholic United Financial) that share financial strength, underwriting technology, and member-fraternal services.
Is Trusted Fraternal Life a public or private company?
Trusted Fraternal Life is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Trusted Fraternal Life founded?
Trusted Fraternal Life was founded in 2024. It employs 1 to 10 people.
Where is Trusted Fraternal Life based?
Trusted Fraternal Life is headquartered in Milwaukee, United States, in the North America region.
How does Trusted Fraternal Life make money?
Five revenue lines are on record. Life Insurance Premiums are the primary driver. The others are annuity Products, catholic Brokerage Services, medicare Supplement Insurance and credit Union Services.
Who are Trusted Fraternal Life's main competitors?
Broad incumbents on record are Northwestern Mutual, New York Life, MassMutual and Mutual of Omaha. Direct peers are WoodmenLife, Knights of Columbus, Thrivent Financial, Modern Woodmen of America and Catholic Order of Foresters. Gleaner Life Insurance Society is listed as an emerging player.
Does Trusted Fraternal Life have an API?
No public API is recorded for Trusted Fraternal Life.