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Welcome to BetterLife!
National Mutual Benefit and Western Fraternal Life have combined to create BetterLife.
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Get Your Life Insurance Rate Now
Get your personalized rate by answering a few quick questions.
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Become a BetterLife Agent
Are you motivated by helping others? Learn more about becoming an agent!
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We're a different kind of life insurance company.
Learn more about what makes BetterLife different.
About Us

What you can expect from BetterLife:

Reliable Protection

We have been protecting our members for over 120 years. We are not only strong and stable; we are also growing and building a bright future for our members and their families.

Honest Advice

Our licensed agents can help put together a plan that works for you, with your budget and your needs at the forefront. At BetterLife, we do what's best for you, our members.


As a member-owned company, we offer friendly and trustworthy service, exclusive member benefits, member events, and a thriving member community.

Protection Designed for Your Life

BetterLife offers a competitive portfolio of products, designed to protect you and your loved ones and help you live a better life.

Scroll over or click the boxes to learn about each option.

Term Life Insurance

Simple & Affordable

Our Term Life Insurance offers budget-friendly protection for 15, 20, or 30 years.
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Universal Life Insurance

Ultimate Flexibility

Our Universal Life Insurance has the flexibility to adapt to your changing needs over time.
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Whole Life Insurance

Permanent Protection

Our Whole Life Insurance offers guaranteed protection that can last a lifetime.
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Final Expense Insurance

Simple Application

Lift the burden from your loved ones by purchasing life insurance that can help pay your final expenses.
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Safe, Guaranteed Income

Our fixed annuities are ideal for those approaching or in retirement because they offer guaranteed growth.
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Join the BetterLife Community

We do more than provide protection through life insurance and annuities to our members. As a member-owned, community-focused life insurance company, we work with our members to support our communities through fundraising, donations, volunteer work, and community activities.

Click here to learn more about BetterLife.

Here’s a snapshot of our community impact in 2019:


in member scholarships


hours spent volunteering


raised by members

BetterLife Tools & Resources

Coverage Comparison

What life insurance options are there?

Life Insurance Calculator

How much life insurance do I need?

Member Benefits

What additional benefits are available?

Chat with a BetterLife Insurance Agent

Set up a 30 minute appointment to get all of your questions answered by one of our licensed life insurance agents. We can meet in person, over the phone, or with a video meeting!