Insurance for Knights

Since our founding in 1882, the primary mission of the Knights of Columbus has been to protect families from the financial ruin caused by the death of the breadwinner.

In the beginning, Venerable Father Michael J. McGivney and his fellow Knights "passed the hat" to benefit widows and orphans. From that humble start, the Order has grown to include top-rated life insurance, long-term care insurance and retirement products. With more than $80 billion of insurance in force and a full-time field force of more than 1,400 serving our members and their families, we are proudly fulfilling Fr. McGivney's vision.

The best way to learn about our products is by arranging a visit with a local field agent. Your agent can custom design an insurance program to meet your current needs, help you plan for the future or simply explain the many fraternal benefits that come with membership. To contact the agent in your area, use our convenient Find An Agent feature.

To learn more about insurance or our products, please use the links on this page. To get a rough estimate of the amount of life insurance protection you and your family need, use our Life Insurance Calculator. The Knights of Columbus is Your Shield of Protection for Life.Protects your most important asset - your income - in the event of a disability.

Who is my servicing agent?

Always refer to your policy. A copy of the application along with the field agent's business card should be included.

Find An Agent

General Agent Northern Region
Joseph J Spinelli Jr
540 NE 100th Street
Ocala, FL 34479
352-873-9417

General Agent Central Region
Robert M Gitto
5401 S Kirkman Rd Ste 310
Orlando, FL 32819-7937
407-930-5741

General Agent Southeast Region
Sergio A Urrutia
1691 SW Jamesport Dr
Port Saint Lucie, FL 34953-4395
772-224-2925

General Agent Southwest Region
Brian J Lawandus
4895 Sherbrook Dr
Oldsmar, FL 34677-5224
844-218-8355

Family Fraternal Benefits

Being a member of the Knights of Columbus is an opportunity to be part of the largest Catholic lay organization in the world. Being an insured member means you've taken full advantage of the benefits of membership. Avail yourself and your family of our full line of life insurance, retirement and long-term care products and you'll help chart a course to safe waters in your financial future.

In addition to our strong, secure products, there are Family Fraternal Benefits that can help our members facing unique needs. Many of these benefits are unique to the Knights of Columbus and our members. Some of these benefits include:

  • Guaranteed life insurance benefits for uninsurable children
  • Death benefits available for stillborn or miscarried children
  • Orphan benefits
  • Member/spouse accidental death benefits

Why Choose Us?

We are strong

The Knights of Columbus is a fraternal benefit society that is strong, secure and stable. Members can be confident that we'll be here when you need us. We've been successfully protecting families since 1882, and our outlook remains bright.

Don't just take our word for it. There is no more highly rated insurer in North America than the Knights of Columbus. A.M. Best has bestowed on us their highest rating (A++, Superior) for 35 consecutive years.

Remember, in 2010, the Knights of Columbus gave more than $154 million to Catholic and other charitable causes. In these uncertain times, find comfort in an organization that leads the way in doing good for others while doing good for our own.

We are secure

Since 1882, we have been committed to protecting the financial futures of our Knights and their families. We do this by paying claims and dividends to our insured members. In 2010, we paid well over $442 million in death claims and other benefits, and more than $322 million in dividends to our policyholders. Even more impressive is the fact that in the past decade, the Knights of Columbus paid more than $3.2 billion in dividends to insured members.
We are stable

Prudent leadership and management has led to the rapid growth of our assets, providing an adequate foundation for our member's protection, and securing our obligations to our insured and their beneficiaries. Also, because we are a fraternal benefit society, we have no stockholders. Our owners are our members and we return our good fortune in the form of dividends to our policyholders.

Insurance Q&A

Do I need life insurance?

Yes, the chances are you do need life insurance, whether it's for paying funeral expenses, replacing income, providing money for your child's education, protecting your home or many other reasons. Unfortunately, too many people don't know the value of a life insurance policy and go without any or adequate coverage. Check out our life insurance calculator to see where you stand.

Is the Knights of Columbus financially strong?

Yes. The Order is one of the strongest organizations from which you can purchase insurance, as assessments by independent evaluators consistently show. Our margin of safety is among the best in the industry. The Knights of Columbus annually receives the highest ratings given by the A.M. Best Company and Standard & Poor's.

What exactly are dividends?

Dividends are the divisible surplus the Order has left over after paying expenses and setting aside the necessary amounts to assure that future benefits are fully funded. Dividends develop from favorable experience, such as people living longer than expected or from interest earnings higher than those guaranteed in their policy. Remember, the payment of dividends cannot be guaranteed.

If I have questions about my insurance policy, or have an interest in learning more about the products the Order offers, whom should I ask?

Your professional Knights of Columbus agent can answer any questions you may have. Even if you are not currently a policyholder, a field agent, who is also a brother Knight is available to meet with you at your convenience the needs of you and your family. To identify your agent, call 1-800-345-KOFC or click here to find your agent online.
 
U.S. residents who would like additional information concerning life insurance, long-term care insurance or annuities, may wish to view the Web site of the American Council of Life Insurers. Canadian citizens may wish to view the Consumer Assistance Centre of the Canadian Life and Health Insurance Association.

Occasionally, someone speaks out publicly on behalf of the merits of permanent life insurance. CNBC interviewed investment professionals, Joe Heider of Dawson Wealth Management and Adam Sherman of Firstrust Financial Resources, that are advising their clients on the advantages of owning permanent life insurance as part of their client's overall financial planning strategy. Watch this short video from CNBC as the advantages of owning permanent life insurance are discussed.

Permanent Plans

Do you need life insurance that lasts as long as you live? Our permanent plans give you the security of:

  • Knowing your family is protected, as long as all premiums are paid as they come due.
  • Knowing your premium will stay the same, regardless of your future health.
  • A guaranteed cash value that will grow over time and can provide a source of funds for future needs.

Another valuable feature of our permanent life insurance plans is the opportunity to earn policy dividends.  While dividends are not guaranteed and are declared annually by the Order's board of directors, our dividend scale has been - and continues to be - among the very best in the life insurance industry.

Our permanent plans include:

  • Whole Life – premiums payable for all of life.
  • Limited Payment Life – premiums payable for a shorter period.
  • Discoverer – a custom blend of whole life and term insurance.
  • DuaLife – a custom blend of whole life and term, insuring two lives, payable upon the 2nd person's death.

A Word About Policy Dividends

Policy dividends represent a distribution to policyowners of surplus funds resulting from favorable investment, expense or claims experience.  Because of this, they cannot be guaranteed, and may increase or decrease based on the Order's actual and anticipated results.