About | Western Fraternal Life



Western Fraternal Life is a not-for-profit financial services organization that gives back to the communities where members live and work.

Plan Ahead and Give Back

With Western Fraternal Life, you can get life insurance and annuities while making an impact in your community. As a not-for-profit provider, our profits go back into communities through scholarships, donations, and more. If you’re thinking about your financial security, choose to plan ahead and give back with Western. 


Western Fraternal Life is stable. Since 1897, we have offered products that give financial security as well as provided benefits that come free to our membership.

Our Members

Become a member of Western by buying life insurance or annuities. As a member, you can take advantage of member benefits, or become involved in your local lodge. Lodges make a difference in their local community.

Our Heritage

Western Fraternal Life has a rich history covering more than 120 years of fraternalism. In the mid-nineteenth century, millions of immigrants came to the U.S. to seek the American dream. For many of our earliest members, that dream meant buying and owning land. The hardworking Czechoslovakian immigrants settled together in clusters so they could speak with those who spoke their language and share resources. The immigrants soon found that they needed to protect themselves and their families from life’s uncertainties. Fraternal Benefit Societies began in the mid-1800’s as a way to bind those with a common bond (ethnic, religious, trade, etc.) and to provide support and opportunities for financial security. Our members began to form a fraternal benefit society, one that would allow them to share the costs of life insurance as well as promote their Czech heritage.

In 1897, members created this new society known as, “Zapadni Ceska Bratrska Jednota” or Western Bohemian Fraternal Association. The society would uphold the values they held dear; Truth, Love, and Loyalty. Those three words became the motto of our organization and have guided us in the decades since. The members believed that the lives of both men and women were valuable to households and became one of the first fraternals to insure women in 1899. In 1919, members also voted to insure juveniles. As years passed and Western Fraternal Life grew, membership was opened to all in 1947. Later, it became apparent to the Association that Western needed to change its name to reflect its inclusive membership. At the 1971 National Convention, members voted to change the name to Western Fraternal Life Association.

Members created lodges in their areas to celebrate holidays, host plays and dances, and speak their native language. The lodges became a source of support and camaraderie for members during trying times, such as the Great Depression and the World Wars. Western Fraternal Life’s lodges are still a source of fraternalism, just as they were in the past. Today, our lodge’s members give back to their communities by donating their time and talents to worthy causes. To learn more about our activities, visit our events calendar and check out our lodge locator.

Financial Strength

Western Fraternal Life is more than a financial services organization. We are a fraternal benefit society that has been providing quality products and community service for over a century. A fraternal benefit society (fraternal), is a not-for-profit, mutual aid organization that (1) insures members and their families against death, disease, and disability and (2) maintains an active lodge system. Fraternal Benefit Societies are a different type of not-for-profit under the tax code 501(c)(8). That means that we are tax-exempt and our profits go back to our members and their communities, not shareholders.

For over a century, Western Fraternal Life have prided itself on being a financially stable and secure organization. Our financial strength is just one of the ways we are enriching today, insuring tomorrow.

Overview of Western Fraternal Life’s Financial Statement as of December 31, 2019:



Liabilities & Reserves:


Surplus to Certificate Holders:


Adjusted Solvency Ratio:


Insurance In Force:


Annuities In Force:


Certificates In Force:


Net Investment Earnings:


Overview of Western’s Fraternal Membership as of December 31, 2019:


 Number of Lodges:


Total Number of Members:


Total Amount of Community Service Hours:


Total Amount of Fraternal Support Hours:



Click the link below to download a copy of 2015 Bylaws: 2015 Bylaws

Board of Directors

The Board of Directors are nominated by delegates from within their district and elected by the delegates of the National Convention that is held every four years. The Board elects its own Chairman/woman, who is responsible for managing the Board and for ensuring that it performs its responsibilities. The Board of Directors conducts the business of Western between meetings of the National Convention.


District 1 (NE)
Mike Hosek
Board Member since 2019


District 2
(Upper MI/WI)

Brenda Vrieze
Board Member since 2011


District 3 (IA)
Donald Krall
Board Member since 2003


District 4 (MN)
Duane Jirik
Board Member since 1998


District 5 (IL, OH, PA, Lower MI)
Mary Bradley
Board Member since 2011


District 6 (CA, ID, MT, ND, OR, SD, WA)
Karen Ryba
Board Member since 2019

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District 7 (CO, KS, LA, OK, TX)
Ross Sestak
Board Member since 2015


Management Team


Craig Van Dyke

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Ann Day Freeman
Senior Vice President and Chief Underwriter


Donald Nieland 
Vice President, Information Technology and Secretary

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Jack Minder 
Vice President and Treasurer

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Kevin Simpson
Vice President of Sales and Marketing

Call 877-935-2467 to speak with a Western Fraternal Life Representative.