Western Fraternal Life :: Financial Assistance Benefits

Financial Assistance Benefits

Accelerated Death Benefit

If your Western life insurance contract includes the Accelerated Death Benefit rider, and you are diagnosed with a terminal illness with a life expectancy of less than 12 months, you can receive up to 50% of your death benefit (minus any outstanding loans) prior to death. When this rider is exercised, it reduces your face amount and your beneficiary receives the remainder of your death benefit upon your death.

Disaster Relief Benefit

The Disaster Relief Benefit is designed to assist members who have been affected by a disaster and help get them back on their feet. If an eligible member suffers personal property loss as a result of any of the following specific disasters – flood, hurricane, earthquake, wildfire, or tornado – a benefit of up to $500 will be paid to cover out-of-pocket expenses.

For qualifications, see eligibility details and application here.

Family Benefit

The Family Benefit provides up to five $1,000 awards annually for costs associated with senior care, child care, respite care, elementary and secondary education, or extracurricular activities. Applications are accepted between May 1 - July 1 each year. Each member applicant is asked to write an essay of 150 words or less on how this will help his or her family. An independent third party will select the winners. Members may apply for this benefit each year.

To apply download and send in this application.

Matching Funds Benefit

The Member Matching Funds Benefit will match up to $500 when a lodge holds a fundraiser for a member in financial need because of illness, accident, or natural disaster.

The Community Matching Funds Benefit can be used for a community project.

To apply for the Member Matching Funds download this form.
To apply for the Community Matching Funds download this form.

Members in Action

This program allows any member to apply for funds to support a fundraising or community activity. For guidelines, click here.

Newborn Child Benefit

This benefit is designed to provide the parent with insurance at the standard rate for a newborn child who may not be insurable otherwise.

Qualified members can receive a newborn death benefit of $2,500 for a live-born child, if death occurs on or before the 60th day after birth. A qualified member (parent) may purchase a $5,000 permanent life insurance plan at standard rates, regardless of insurability. If both parents are members and qualify under specific guidelines, they can purchase $10,000 of permanent insurance for their newborn child. Upon reaching age 21, additional permanent insurance can be purchased equal to the face amount purchased on or before the 60th day.

Orphan Income Benefits

Western supports member children who lose both parents by providing a monthly allowance to the child’s guardian. The benefit also includes money for college. Western will contribute $250 per month per child to the relative, friend, or guardian responsible for the orphan’s support up to the age of 19. The orphaned children are eligible to receive up to $1,000 each year for four years for those who are enrolled in an accredited college or $1,000 each year for two years for a trade school of their choice. The money will be paid directly to the school.

To see eligibility details download this form.