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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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    • Term Life Insurance
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    • Flexible Premium Annuities
    • Indexed Annuities
    • 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

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    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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Duration Term

Security when you need it most

Even with term life insurance, the need for coverage can vary drastically. Securing your children’s education may be important for the next 15 years, but paying down a mortgage might be a priority for the next 20 years. Your need for term life coverage can decrease as you become more financially secure over the years; however, you need a plan that can address both where you are now and where you plan to be tomorrow.

Gleaner Life Duration Term provides coverage when it’s needed most with up to four concurrent term certificates of varying length, which allows premiums to decrease over time. This “ladder approach” provides higher life insurance coverage now and less when the need for coverage decreases. That means a 15-year certificate may secure your children’s college education, a 20-year certificate may cover your mortgage and a 25-year certificate may provide security for your loved ones. In addition, by electing the Waiver of Premium rider, Gleaner will waive the obligation to pay premiums if the primary insured becomes disabled.1

Product Features:

  • Minimum death benefit: $50,000

  • Maximum death benefit: none (subject to Home Office approval)

  • Accelerated Death Benefit: In the event of a terminal illness, this feature allows the primary insured to receive up to 50% of the certificate’s death benefit in advance (subject to a maximum of $500,000). Included at no additional charge.

  • Conversion Privilege: This valuable benefit allows you to convert your certificate to a Gleaner permanent cash value insurance certificate before age 71 without proof of insurability. Included at no additional charge.

  • Multiple Certificate Discount: This feature allows you to purchase multiple certificates with one, unified premium payment and policy fee.

  • Premium guarantees:

    • Ten-year guarantee (lower premium rate)
    • Full guarantee (guaranteed level premiums for the entire term)
Premium:
Level
Coverage:
Multiple concurrent term certificates of varying length, with total coverage decreasing as your need for coverage also decreases
Benefits:

Covering needs that decrease over time

Cash Value:
No
Optional Riders1
Waiver of Premium

1Optional riders available for additional cost

Duration Term form number ICC17-LGTERM (10-year guarantee) and ICC17-FGTERM (full guarantee) with state-specific variations.

 

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p 800.992.1894 | f 517.265.7745

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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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