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    You may think that if you’re single, you don’t need life insurance. But do you have aging parents who may need to rely on you someday for financial support? How about major co-signed debt? Have you thought about setting something aside for your own future?

    Learn more about how you can protect your loved ones with life insurance and fixed annuities.

    Married life brings with it a world of joy. It also brings a world of challenges and responsibilities. Whether you're just starting out or you're approaching a major milestone in your marriage, chances are, you have something worth protecting.

    Learn more about protecting your spouse with life insurance and planning for the future with fixed annuities.

    Your family relies on all of your contributions, whether financial or emotional. You may be a breadwinner, but bread isn't the only thing you bring to the table. If the worst should happen, life insurance can help you protect your family even after you're gone.

    Learn more about safeguarding your family's dreams with life insurance.

    You've spent a lifetime building your family alongside your dreams. Now, let us help you embark on another set of dreams. In addition to protecting your loved ones now, life insurance and fixed annuities can also guarantee an estate for your heirs.

    As they say, the best is yet to come. Learn more about protecting whatever comes next in your life.

    Your business is your legacy. You've built it, nurtured it and poured your life into it. Life insurance can help keep your business going if you're gone, providing coverage for buy-sell agreements and in some cases build a cash value that you can borrow against if things get tough.

    Learn how you can protect your great American dream with life insurance.

    If you aren't sure about the amount of life insurance coverage you need, use the life insurance calculator to help get you started.

    This calculator will give you an idea of how much coverage you will want to look into getting to help meet your financial security goals.

  • Products
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    • Flexible Premium Annuities
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    • Single Premium Deferred Annuities
    • Single Premium Immediate Annuities

    Gleaner provides life insurance and fixed annuity solutions to meet your needs. Learn more about how our products can help you protect all of the important things in your life.

    Consult an agent

  • Giving Back
    Give and Grow
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    Make a difference in your community. Give and Grow with Gleaner Life.

    As a faith-based not-for-profit organization, Gleaner helps to better our members' communities by providing the funding to complete volunteer projects. Explore how our members help us to be a major force for good.

    Funded entirely by Gleaner, our arbors or service clubs allow members to get involved in their communities by volunteering and making donations to charitable causes without the hassle of fundraising.

  • Choose Gleaner
    About Us
    Our History
    Member Benefits

    Gleaner Life Insurance Society provides both financial security and volunteer opportunities to members. Our competitive life insurance and annuity products help members to safeguard their dreams now and in the future.

    Much of what makes Gleaner what it is today was set in motion more than 128 years ago when Grant Slocum, a farmer's son, had a vision for a fraternal society that would protect farmers and their families.

    In addition to life insurance and annuity products, Gleaner members and their families enjoy a variety of member benefits, including shopping discounts, scholarship opportunities and family-friendly events.

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FAQ

Where is Gleaner Life Insurance Society located?

The Gleaner Life Insurance Society Home Office is headquartered in Adrian, Michigan. Our address is:

Gleaner Life Insurance Society
5200 West U.S. Hwy. 223
P.O. Box 1894
Adrian, Michigan 49221-7894

What is a fraternal benefit society?

Fraternal benefit societies are tax exempt membership organizations that offer life insurance and other financial products to their members. All fraternal benefit societies must comply with state and federal regulations with regard to their financial services, and must be licensed by the insurance department of the state or states in which they operate. Benefit society members are united by a common bond that demonstrates the membership's support and commitment to the organization’s principles and values. Read more about Gleaner's Common Bond.

What unites Gleaner members?

Gleaner Life Insurance Society was founded in 1894 on the principles of Benevolence, Protection and Fraternity. The values of hard work, steadfast loyalty and a cooperative spirit have their roots in the agricultural heritage of the Society. These values continue with the Society and its members today. See What Makes Gleaner Different for more information on the Common Bond that unites all Gleaner members.

In which states does Gleaner Life Insurance Society sell its products?

Gleaner Life Insurance Society is currently licensed to sell life insurance and annuity products in AZ, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, PA, SC, TN, VA, WI & WV.

In which states does Gleaner Life Insurance Society service its members?

Once you purchase a life insurance or annuity product in any of our 19 states, Gleaner will continue to service your accounts, regardless of where you live. Currently, Gleaner Life Insurance Society serves certificate holders in all 50 states and Canada.

How do I become a Gleaner member?

Individuals wishing to become members of the Society must apply for membership, by completing the Application for Membership, confirm their common bond and desire to become a part of the community of Society members and purchase life insurance or an annuity. Credentials are reviewed and a request for admission is submitted to the local arbor. Those who are approved for membership are admitted into a local arbor in accordance with the laws of the Society.

By completing the Application for Membership, you certify that you are applying for membership in Gleaner Life Insurance Society and understand and support the principles of benevolence, protection and fraternity that have been the foundation of Gleaner Life Insurance Society since its formation in 1894. Upon completion of the application, you are eligible for full member benefits through the Society. The Application for Membership is available through your Gleaner agent.

How do I contact my Gleaner agent?

To find your local Gleaner agent, contact our Sales Department at 800.992.1894 or fill out our online form.

What is an Arbor?

An arbor is what we call our local service clubs. Every arbor is organized and operated by Gleaner members. Gleaner supports the arbors with matching funds and donations to charities of their choice. You are automatically eligible to participate in your local arbor as a Gleaner member. Learn more about Gleaner arbors.

How do I find my local Arbor?

To see if there is an active arbor in your area, simply enter your zip code on our Find an Arbor page, or contact the Home Office. If there is not an active arbor in your area, you are invited to start one! Simply fill out the interest form to get started.

What are the benefits of a Gleaner membership?

As a fraternal benefit society, we are in a position to give exclusive benefits to our certificate members. For a complete list of our complimentary and premium benefits for both types of memberships, visit our Benefits page.

How much life insurance do I need?

Each person has individual needs when it comes to life insurance needs. The best way to determine the amount of life insurance you need is by contacting your Gleaner agent. If you don’t have a Gleaner agent, find one who can review your current situation and help you determine how much insurance coverage is right for you.

How do I determine which insurance product is right for me?

The type of life insurance coverage you need is determined by several factors like age, family responsibility, debt load and your individual financial goals. Contact your Gleaner agent who can help you determine which coverage is best for you. If you don’t have a Gleaner agent, we can help you consult an agent who can help. In addition, you may find our Solutions for Life section helpful to get started.

How do I change my address?

You may contact us at the Home Office or inform your Gleaner Agent. You may also submit your change of address online by signing into your member account.

How do I change my beneficiary?

The certificate owner must request the change in writing on a Change of Beneficiary Form. The change will become effective when a properly completed form is received at the Gleaner Home Office. We will send a confirmation letter with your new beneficiary listing once completed.

Can I set up automatic premium payments?

Yes! You may set up automatic monthly premium payments from your bank account. The certificate owner must submit a completed Authorization form. This form can also be used to notify us of any changes regarding your banking information in the future.

Can I pay my premiums online?

We do not offer an online premium payment option at this time, however you may set up automatic payments to be debited from your bank account.

What happens to my life insurance certificate upon my death?

Your beneficiary should contact us immediately to notify us of your death. We will assist your beneficiary in completing the necessary death claim forms. Upon satisfactory receipt of proof of death, we will pay the insurance proceeds due to your beneficiary. Your beneficiary may also file a death claim online.

What is the difference between universal, whole, and term life insurance?

Universal and whole life insurance are both types of permanent insurance, meaning that they are in effect until you die (if premiums are made as scheduled). The main difference is that universal coverage is more flexible in how you choose to pay your premiums, while a cash value is guaranteed with whole life coverage. Term life provides coverage for limited amounts of time and is most suitable for temporary needs like college planning, mortgage insurance. This is typically the least expensive type of coverage.

Review our Solutions for Life to see which type of coverage might be right for you, or contact your Gleaner agent for a complete review of our products.

How do I purchase a Gleaner annuity

Purchasing an annuity is easy as you work your Gleaner agent. If you don’t already have a Gleaner agent, we can help you consult an agent to learn about your options and help you decide which financial product best meets your needs. You may become a member and purchase a Gleaner annuity by completing an Application for Membership and Annuity Certificate with the help of your agent. This will entitle you to a wide array of benefits.

How do I set up a monthly income from my annuity?

Monthly withdrawals are allowed on our annuities. You may withdraw your interest each month, but it must be a minimum of $100 monthly. You may also withdraw your annual 10% and spread it out over 12 equal monthly payments. You may request these automatic withdrawals on a Gleaner Request for Service form.

How do I start mandatory IRA distributions at age 72?

Once you reach the age of 72, the IRS requires you to withdraw a minimum amount of money from your retirement accounts each year. This is called a required minimum distribution (RMD). You are required to take an RMD from any IRA, TSA/403(b), or 401(k) plan. Roth IRAs are the exception and do not require an RMD. Gleaner is able to set up automatic distributions so that you don’t have to remember to request your RMD every year. Once members reach age 72, Gleaner will notify all members by mailing them letters and an RFS form.

What settlement options are available for my Gleaner annuity?

After your Gleaner annuity has been in force for one year, you may request a monthly payout from your annuity. Settlement options include fixed period, fixed amount, life only, life and period certain, and joint income. When the time comes to convert your savings to a reliable income stream, your Gleaner agent can help you decide which option best fits your needs.

What happens to my annuity upon my death?

Your beneficiary should contact us immediately to notify us of your death. We will assist your beneficiary in completing the necessary death claim forms. Upon satisfactory receipt of proof of death, we will pay your beneficiary the full value of your annuity. Because annuity money is paid directly to your beneficiary, the costs, delays and publicity of probate are avoided.

What is a surrender charge?

A surrender charge is a fee levied on a certificate holder (policyholder) upon cancellation of his/her annuity certificate prior to the completion of the surrender charge period. The length of the surrender charge period is described within the annuity certificate. Surrender charges may also apply to universal life products. Contact your Gleaner agent or the Home Office for more information.

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Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, PA, SC, TN, VA, WI and WV. 

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