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About BetterLife

BetterLife is a different kind of life insurance company.

BetterLife is a member-owned life insurance company that offers reliable protection, friendly service, and knowledgeable guidance, all with you and your loved ones in mind. We love what we do, and we are passionate about making a difference in our communities.

At BetterLife:

  • Our members come first. As a member-owned organization, we are committed to building trustworthy relationships, focusing on what’s best for you and your family, and delivering service in a caring, friendly and helpful way.
  • We know you and your community. As your local, community life insurer, we care about what’s most important to you, your family, and your community.
  • Supporting your community is what we do. Through volunteerism, fundraising, and social events, we help you make a difference where it counts most to you.
  • We are here for you today and tomorrow. We have been passionately protecting families for more than a century. We are financially strong and we will be here when you need us most.

Our Mission

BetterLife's mission statement

What does this mean?

  • Members: Everything we do starts with the member. We were created by our members and are owned by our members.
  • Help: Our purpose is to help our members to make things better. We are not doing it for or to them, we are doing it with them.
  • Families: Our products and services primarily benefit our members’ families (as defined by our members).
  • Protect: Our primary purpose is protection. We are not an investment advisor.
  • Financial Futures: Our primary products are life insurance and annuities, which protect our members and their families from the financial consequences of dying too soon or living too long.
  • Better Lives: As a membership organization, we help our members improve their lives through our membership benefits (fraternal).
  • Better Their Communities: We help our members improve their communities (as they define it) by engaging them on their terms through membership activities (benevolent, social, patriotic, educational, etc.).

Over 125 Years of Putting Our Members First

Our name BetterLife may be new, but the people and purpose behind the name are not. 

In January 2021, two member-owned fraternal benefit societies with similar histories came together to form BetterLife, a different kind of life insurance company. With a combined history of over 125 years, both companies were founded by “average,” hardworking Americans with the goal of providing affordable protection to families in their communities. Members of both societies came together to socialize, have fun, and help others.

Community is our focus, with a dedication to providing high-quality life insurance and annuity products while supporting opportunities for socialization, fun, and helping others. BetterLife honors our rich, combined history by continuing to center on what’s best for our members while also finding new ways to serve you and your community.

Read and download our 125th-anniversary book.

What is a fraternal benefit society?

While many community-focused life insurance companies are moving away from using the term “fraternal benefit society,” you may still hear it from time to time.

Fraternal benefit societies are member-owned organizations that offer life insurance products and other benefits to their members. Each society must have a system of local lodges or branches that governs the society and coordinates various social, educational, charitable, and patriotic programs for its members and the public.

Fraternal benefit societies operate similarly to mutual insurance companies, as they have no shareholders. Profits that are not needed for operations, claims payments, and maintaining reserves are returned to their members by putting the money back into their communities or towards member-exclusive benefits.

Because of their volunteer efforts and charitable programs, fraternal benefit societies are subject to Chapter 501(c)(8) of the Internal Revenue Code and are thus tax-exempt.

Solutions Designed for You

At BetterLife, we know that everyone’s needs are different. When you speak with one of our agents, we’ll start by analyzing your specific, individual needs. Then, we take the time to create a customized recommendation and walk you through the options we feel are best for you.

Learn more about our life insurance and annuity options. To request an appointment with an agent, click here.


Meet with your local agent in-person, in a place that works for you, whether it’s your dining room table or your favorite coffee shop.

Over the Phone

A real person will give you a call to assess your needs, create your plan, and put your policy into place, all over the phone.


Chat with your agent over a video call, right from the comfort of your own home.

Your BetterLife Community

When you become a BetterLife member, you’re joining a community that will help you live a better life.

Our members’ communities are the heart and soul of our organization and we are committed to helping our members make a difference where it matters most.

Happy members of BetterLifeBetterLife is so much more than a life insurance company, and that’s what makes us different. We offer exclusive member benefits at no extra cost, along with the opportunity to connect with like-minded individuals in your local BetterLife member community group.

In your local member community group, you can gather with other members and families near you. BetterLife member community groups are all about caring, connecting, and supporting communities. They host fun social events, hold local fundraisers, and coordinate volunteer activities in the community. Learn more about joining your local BetterLife member community group here.

Your 2022 BetterLife community impact snapshot*:

Charitable Contributions

$361,001 donated to charitable organizations

Member Impact

$259,289 given to serve our communities

Volunteer Hours

429,289+ volunteer hours invested in bettering our communities