LifeHelp Life Insurance Programs

Learn More About Getting New Life Insurance

Life Insurance From LifeHelp

Start Here For Help With New Life Insurance

We have been asked by your credit union to help you with your life insurance needs. For more than 50 years, our family-owned company has specialized in helping credit union members like you find insurance policies that best suit your lifestyle and budget. Working with credit unions across the country, LifeHelp helps members seeking the very best in insurance coverage. Our goal is to make it simple for you to apply for insurance that’s perfect for your needs and to support you every step of the way.


Do I Need Life Insurance?

If a loved one would struggle financially because of your death or inability to work, then yes, you need life insurance. Because your needs change as you age and your family situation evolves—getting married, buying a home, having children, and moving into your retirement years—LifeHelp’s experienced advisors are here to help you choose what’s best for you based on your current circumstances.

Coverage Calculator

Let's Calculate Your Needs

Lump Sum Needs

Your current mortgage or 10 years' rent.
Car loans, credit cards, and other bills.
If college, $10,000-$20,000 annually per full time student.
3 months' income.
Including uncovered medical costs, funeral expenses, final settlement costs. At least $10,000.
Anticipated major costs such as home renovations, a new car, wedding, etc.

Income Replacement

Typically two-thirds of current annual income.
At least until the youngest child is 18.


Not including savings used for daily living expenses.

Life Insurance Offers

Apply For Coverage

Young Family Term Life

18-55 yrs of age
Term Life Insurance with coverage amounts up to $125,000.
Find Rates And Apply here

Guaranteed Issue Term

18-64 Yrs Of Age
Term Life Insurance with coverage amounts up to $50,000.
Find Rates And Apply here

Life Insurance FAQ

Answers To Common Questions

Sometimes the answer to this question is straight-forward, but not usually. A 72-year-old widow looking solely to provide money to someday pay for her own final expenses, for example, could estimate what those expenses will be, and buy that amount of coverage.

But most often, it’s not that simple. To protect against lost income, is coverage equal to six times annual income enough? Ten times income? Even experts disagree.

So it’s no wonder research shows this question to be one of the most common stumbling blocks for people considering life insurance. Unable to determine the “right” amount, they instead arrive at the only “wrong” answer – to buy no coverage at all, and hope things work out for the best!

To make sure that doesn’t happen to you, we encourage you to talk with your LifeHelp agent, and be open about not only the amount of coverage you’d like to have, but also what you can realistically afford.

Above all, keep in mind one simple truth – if your loved ones need the protection life insurance provides, then providing (or adding) any amount of coverage now is better than worrying about choosing the mythical “right amount,” only to end up buying none, and leaving your family no better protected than now.

If someone will suffer financially when you die, chances are you need life insurance. It’s really no more complicated than that. Simply ask yourself, if you died tomorrow, how would it affect your loved ones financially?

Life insurance provides a tax-free cash payment to your beneficiaries after your death.

If you are older, your focus might be providing money so your funeral and burial costs, medical and other bills, taxes, debts, lawyers’ fees and other final expenses won’t be a burden left to your loved ones.

If you are in your working years, you’ll also want to consider how your family would meet ongoing living expenses with your paycheck suddenly gone. Where would the money come from to pay for rent or your mortgage, food, clothing, utilities, transportation, healthcare, etc.? Without your contribution to the household, would your surviving spouse be able to save enough money to put the kids through college or retire comfortably?

The fact is, the death of a loved one is tragic enough, without being compounded by financial difficulties. Life insurance helps make sure the people you care about will be provided for financially, if you’re not there to care for them yourself.

Generally between one and six weeks, depending on the type of policy and the underwriting requirements for that coverage.

Absolutely. All information is treated confidentially and secured in accordance with federal and state privacy rules and regulations.

We’ll first ask you some brief questions about your health history. Sometimes that’s all we need to shop the market and get you the coverage you need. If you’re one of our many applicants whose health history includes treatment for such common conditions as high blood pressure, diabetes or other conditions, or whose physical build is outside of “standard” guidelines, we’ll let you know what else the insurance company will need to qualify you, such as physician contact information, prescription medications, etc.

A primary beneficiary is the person or entity (such as a foundation, charity, trust, etc.) you choose to receive the cash benefit from your life insurance policy. You can name one primary beneficiary or many. Should you choose to have more than one primary beneficiary, you also decide how the cash benefit will be split between them.

You should also name a “contingent,” or secondary, beneficiary just in case you outlive your first beneficiary. As with your primary beneficiary, benefits can be split among more than one contingent beneficiary.

As your life situation changes, so could your choice of beneficiary. It is a good idea to regularly review your beneficiary designation to make sure your choice is still appropriate.

Due to the various issues involved, your LifeHelp agent will be pleased to help you properly set up your beneficiary designation.

Contact Us

How Can We Help You?

Give Us A Call

We're available to provide help Monday through Friday,
9:00 AM to 5:00 PM Eastern Standard Time.
Call us at 1-800-345-4543.

Email Us

One of our member service representatives would be happy to assist you.  Email us below or at

Before you begin!

LifeHelp can only take online payments for New York Life policies at this time. Should you hold insurance with LifeHelp for a different carrier, consider Paying By Mail, otherwise click "Begin" to proceed.

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If you have any questions, please feel free to call us at (800) 345-4543.