While Gleaner offers high-quality, low-risk life insurance and annuity products, it is our status as a fraternal beneficiary society that sets us apart from commercial insurance companies. Imagine having the opportunity to do good for others while knowing that you and your family are protected and prepared for any life event. This is what you will gain when you join Gleaner.

In addition to specific membership benefits, all Gleaner members enjoy the following:

• Participation in all Gleaner community and arbor programs. Note: To become involved in these fraternal programs, members must become active in their local arbor.
• Subscription to The National Gleaner Forum, Gleaner’s quarterly magazine

This membership is instantly activated when you purchase a Gleaner life insurance or annuity certificate. Along with the protection of these Gleaner products, you immediately become eligible for multiple benefits designed to enhance your life.

Not a member yet? Apply today!

These benefits are included with your Gleaner membership, at no additional cost to you.

“$1,000 Fraternal Plus Accidental Death Benefit” *
Provides a $1,000 benefit to your designated beneficiary if you should die as a result of an accident.

“The Gleaner College Bound Waiver”
Any Gleaner member who owns a “Harvest 8” annuity can pay for college expenses by withdrawing funds from the annuity without incurring a surrender charge. This benefit is available to all members whose “Harvest 8” annuity has been in force for at least one year. Withdrawals may be used to pay for college expenses incurred by family members of the annuitant or owner, including college tuition, textbooks, and/or on-campus housing. 

“Gleaner Scholarship MasterCard Program”
By using the Gleaner MasterCard, you’ll be helping fund scholarships for deserving students. This card has no annual fee. All members are welcome to apply for any of the scholarships for students sponsored by the Gleaner Life Insurance Society Scholarship Foundation.

“Harvest Card Benefit”
The Harvest Card provides you with access to a group of services and savings available exclusively to Gleaner members, like discounts on name-brand merchandise, car rentals, motels, and airline tickets. With your Harvest Card, you can also register your credit cards for protection in the event of theft, have access to emergency cash services, and much more.

“Loyalty Bonus”
Recognizes and rewards Universal Life certificate holders with a 10% additional death benefit (up to $20,000 per UL member) after they hold the certificate five years. This bonus also rewards those who hold Gleaner annuities for five years by providing an additional 2% of the annuity’s value (up to $20,000 per annuity member) in the form of a death benefit.

“New Arrival Family Benefit”
Provides a $1,000 payment to the parents of a newborn child, if the child lives 15 days, but less than 365 days. After 15 days, and during the remaining 350-day period, the parents may apply for a $2,500 life insurance certificate (other than term) to become effective on the child’s 365th day of life. This insurance will be issued at standard rates regardless of the child’s health.

“The Gleaner Annuity Nursing Home Waiver”
This benefit allows Gleaner annuity holders to use their accumulated funds to pay nursing home expenses without incurring a surrender charge.

“Orphan's Benefit”
This benefit provides payment to the orphaned child’s qualified guardian through 18 years of age, and then provides substantial payments for the child to attend four years of college. To receive the benefit, both parents must have been Gleaner members.

“Scholarships for Students”
Gleaner Life Insurance Society Scholarship Foundation provides opportunities for Gleaner family members to pursue post secondary education. We're proud to offer $1000 scholarships to help cover the costs of tuition and living expenses. We also have book scholarships available. All scholarships are awarded on a competitive basis. Any family member who is a high school graduate or high school senior may apply.

For more information about Gleaner fraternal protection and benefits, see your Gleaner representative or contact Gleaner directly.

Disclaimer for all member benefits: Gleaner Life Insurance Society reserves the right to change and/or modify from time to time any provision pertaining to such benefit. While the Society does not anticipate such change or modification, the benefits cannot be guaranteed.

**Accidental death benefit is reduced 50% at attained ages 75 and 80.

Click here to view Frequently Asked Questions about Gleaner.