office (631) 226-3831
"We purchase life insurance not because we're going to die,
but because others are going to live"
Knights of Columbus insurance has been “Making a Difference for Life” for more than
129 years. Since our founding in 1882, our primary mission has been to protect families against the financial ruin caused
by the death of the breadwinner. Today we do this, and help families secure their financial futures, through our top-rated
portfolio of life insurance, long term care insurance and annuity products.
Why Choose Us?
Our Beginnings; A Sanctuary
In the late 19th century, North America was experiencing an influx of people from all over
the world, particularly Europe. Many people were relegated to living in unsanitary conditions, and performing hazardous jobs
for poor pay. Such was life for Catholics in New Haven, Connecticut.
The untimely death of the family breadwinner
often devastated a family. In 1882, a young Catholic priest, Father Michael J. McGivney, curate at St. Mary’s Church
in New Haven, envisioned an organization to help Catholic families deal with this crisis. Out of his vision the Knights of
Columbus was founded. We are currently the largest Catholic, family, fraternal organization in the world, and boast a members-only
insurance program that is among the strongest in the industry.
As a member of our organization, you enjoy the opportunity
to participate as a family and positively affect your church and community. One person can make a difference. With 1.7 million
members, the Knights of Columbus’ impact is enormous. Last year alone, we donated $151 million to charitable causes,
and performed over 64 million hours of community service. That’s impact!
We have over 1,200 full-time life
insurance professionals dedicated to serving member’s needs. Each is assigned exclusively to a group of members and
families so that he’ll be there when you or your family needs him. These agents are members of our organization and
share our members’ ideals and goals in community service..
From its humble beginnings, our insurance program has grown into a formidable institution, providing
billions of dollars in future death benefits to our members and families.
Prudent management has led to the rapid growth of our assets, providing adequate backing for
our member’s protection, and securing our obligations to our insureds and their beneficiaries.
Because we’re a Fraternal Benefit Society, we have no stockholders. Our owners are our
members. We return our good fortune in the form of dividends to our policyholders.
Family Fraternal Benefits
Membership Means More
The Knights of Columbus offers special benefits of membership. Among these are unique programs
that exist exclusively for K of C families faced with needs that often fall outside traditional insurance plans. The Family
Fraternal Benefits package, available to all our good-standing members and their families, adds value to membership in our
- Guaranteed Life Insurance Benefits for Uninsurable Children
- Death Benefits Available for Stillborn/Miscarried Children
- Orphan Benefits
- Member/Spouse Accidental Death Benefits
When our organization began, in order to help each other, our members “passed the
hat” to assist families of deceased members. Soon, however, this became impossible, as the number of our members grew.
of this simple process, we've evolved into a modern, dynamic insurance organization, and offer a wide variety of products
to suit virtually everyone’s needs.
- Permanent Plans – Policy lasts as long as you live, premium stays the same.
- Term Plans – Policy ends at end of specified term: renewable or convertible.
- Annuities – Provides an income that is guaranteed for life.
- Long Term Care – Provides funds for long-term, out-of-hospital care.
K of C Insurance Products
* Permanent Life Insurance: A variety of options that can provide guaranteed lifelong coverage.
Generally, cash values accumulate on a tax-deferred basis.
at 65: Paid-up at the contract date nearest your 65th birthday. Coverage and cash values continue for the rest
of your life.
** 20 Payment Life: Plan is paid-up in 20 years,
and coverage continues. Coverage and cash values continue for the rest of your life.
** 10 Payment Life: Plan is paid-up in 10 years, and coverage continues. Coverage and cash values continue
for the rest of your life.
**Single Premium Life: One payment purchases
a paid-up life policy offering permanent life insurance protection and has immediate cash values that are guaranteed to grow
*Term Life Insurance: Plans offer coverage for 10-, 15-, and 20-year periods, and premiums are
guaranteed to be level for the initial term period. No cash value accumulation.
*Second-to-Die: Two plans available: Survivorship Universal Life (SUL) and DuaLife. Second-to-Die
life insurance programs cover two people and generally cost less that two individual policies. The death benefit is paid upon
the death of the second person.
*Discoverer: This unique plan combines the guaranteed cash value of a whole life policy with
the features of term life insurance.
*Many policy riders available, including Child Rider.
*Two policy types available: Comprehensive, which provides for care at home or in facilities
(adult day care, assisted living or skilled nursing home); and facility-only care, which provides
only for care outside the home.
*Allows your spouse or children to be your famiy, not your caregiver.
*Many features available to meet personal needs.
*Since its initial offering, including Inflation Protection Rider and Return of Premium Rider.
*Annuities provide long-term accumulation of wealth, specifically designed for retirement needs.
*Guaranteed safety of principal.
*CDs, cash from mutual funds and money markets can be transferred into our tax-deferred, non-qualified annuity.
*IRA, Roth IRA, 401(k), TSA and SEP plans are available. It is also possible to roll your existing plan into our tax-deferred,
*All of our annuities can be funded with as little as $300 to start.
Disability Income Insurance - Income Armor® from the Knights of Columbus can pick up where your paycheck
Keller’s Korner September,
Raising Awareness about Life Insurance
Each September since 2003 has been designated as Life Insurance Awareness Month. Like most awareness-raising campaigns,
Life Insurance Awareness Month was created because there is an overwhelming lack of understanding of life insurance, its uses,
its benefits, and its variations among the general public.
A recent survey found that more than 75 percent of people polled did not have a personal financial advisor, even
though 68 percent of them said their opinion of the current economic conditions was somewhat unfavorable or very unfavorable.
In other words, a majority of those surveyed were uncomfortable with the economy and the uncertainty it brings, yet
they did not seek professional assistance.
If you fall into this category, please remember that as a member of the Knights of Columbus, you have a full-time,
professional agent you can call your own. My primary responsibility is the care and service of your family’s life insurance,
retirement and long-term care needs. I’ll answer your questions because I want your decisions to be informed ones. I
want to help.
Forty three percent of people did not buy life insurance because they worry about “making the wrong decision.”
Talk with me, your agent, and, afterwards, you’ll understand that the only wrong decision was not purchasing sooner
to protect your family’s future.
Alex Keller FICF