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Catholic United is ready to help people at
different stages achieve their financial goals.

 

My Life Stage

Life Insurance

Term Life
Youth Term Life
Universal Life
ULT Combo Life
Charitable Life
Whole Life

Other Insurance

Long Term Care Insurance
(sold through our LLC partnership)

Why do I need life insurance?

Life insurance is about love. A life insurance policy guarantees
that the most important people to you will be provided for if you
are no longer there.

 

Life insurance:

  • protects your way of life
  • can replace lost income when a loved one passes
  • can be the foundation of a family financial plan
  • More...

When do life insurance needs change?

  • Family change such as birth, death or divorce
  • A change of employment or career
  • After a major purchase, like buying a home or business
  • A child moving out or going off to college

What else can life insurance do for me?

  • help pay for your final expenses
  • protect your assets
  • make a charitable gift
  • build wealth and save on taxes

Life Insurance Calculator

Estimate how much life insurance you need

 

 

Life Insurance Calculator

 

Unite and Grow with us

We can help you create a financial plan that reflects
your Catholic values.

 

Download a sample of our Unite and Grow Factfinder
booklet
to see how we can help you organize your assets
and get a better sense of your overall financial picture.

 

Your retirement

Our annuities and IRAs can complement
your existing retirement plan

Financial ideas to complement
your existing plan

  • Is your budget tight, but you still need to care
    for loved ones?
  • Want the best of both worlds -- insurance protection
    and income growth?
  • Worried about missing out on higher rates by
    locking into CDs or money market funds?
  • Want to make a loving financial gift, but retain
    some control?

Read our answers to these questions

 

Catholic United Financial exists to support the Roman Catholic Church in extending the Faith, especially by commending and encouraging Catholic schools and religious education

 

Read about our commitment to this mission

Watch video

Our next event is Oct. 2, 2016 in Yankton, SD

Find your local volunteer leader by zip code

Community Engagement

Catholic United has service and fundraising programs that appeal to volunteers seeking different levels of commitment, from one hour of casual service on a weekend, to leading a local volunteer group. Learn more about transforming profits into purpose:

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product information
 

View and download forms needed
to manage your accounts and products

 

Visit the Member Center

for more details and links

Start your claim

Our Claims Department is ready
to assist you with the claims process.

 

Click here to report a death or to connect
to information on how to start a claim.

 

See a list of
Upcoming Events

Giving to Catholic dioceses in the Upper Midwest

Click on the map to see how much we've given to your diocese

As a member, you will have the ability
to multiply your generosity

Generosity is a virtue, and we at Catholic United Financial help our members multiply their generous gifts into something even greater.

 

Practicing Generosity

As a company, we're committed to giving back to the Catholic community. Partner with us and see your own generosity grow.

John Tetzloff Blog

Recent Posts

03
Apr

Who needs a trust and who doesn't

An attorney weighs in on the basics of revocable trusts

Posted by Sharma Foley Affeldt


An attorney gives us the basics of trusts and some common questions to consider when deciding if a trust is right for you.

Read More

25
Jan

Be generous with your time, your resources and your communication

Tomorrow's gifts can be planned for today

Posted by John Tetzloff, Advanced Case Specialist


Being generous to charities in the best ways possible also allows us to provide for our heirs and families.

Read More

14
Dec

Two ways to a make a generous gift during this season of giving

Use extra retirement funds to give a present in the present

Posted by John Tetzloff


One of the best ways currently to provide for our favorite charities now and into the future is through the use of IRAs and Qualified Retirement plans.

Read More

13
Oct

A beneficial tool for estate planning problems: Universal Life

Issues with taxes, liquidity and charitable giving can be resolved with this tool

Posted by John Tetzloff


For more permanent solutions to estate planning problems, universal life insurance can help protect assets and solve the long-term issues of estate liquidity.

Read More

04
Aug

Avoid family arguments about final expenses with three steps

The key is to communicate your wishes to heirs and loved ones

Posted by John Tetzloff


You can save your family additional struggles while they grieve. Follow these three steps to communicate your wishes on final expenses and estate planning decisions.

Read More

07
Apr

Prepare, Provide, Preserve 4: Communication at Heart

Roundtable discussion on getting your soul, and your savings, ready for the next life

Posted by John Tetzloff


John Tetzloff's Creating Wealth Beyond Money radio show tackles death and dying with a panel discussion on Catholic perspectives for palliative care, end of life preparation and starting the conversation with your family.

Read More

06
Apr

Prepare, Provide, Preserve 3: Honoring your faith

Roundtable discussion on getting your soul and your savings ready for the next life

Posted by John Tetzloff


John Tetzloff's Creating Wealth Beyond Money radio show tackles end of life decisions with a panel discussion on Catholic perspectives on Catholic Health Care Directives.

Read More

06
Apr

What does the future hold for your annuity?

The option you choose makes a difference

Posted by John Tetzloff


An annuity can provide guaranteed income, but it must be set up that way.

Read More

24
Mar

Prepare, Provide, Preserve 5: This Mortal Coil

Roundtable discussion moves into burial and cremation discussion from Catholic POV

Posted by John Tetzloff


John Tetzloff's Creating Wealth Beyond Money radio show tackles death and dying with a panel discussion on Catholic perspectives for palliative care, end of life preparation and starting the conversation with your family.

Read More

01
Mar

Prepare, Provide, Preserve 2: Life and Death Choices

Roundtable discussion on getting your soul, and your savings, ready for the next life

Posted by John Tetzloff


John Tetzloff's Creating Wealth Beyond Money radio show tackles death and dying with a panel discussion on Catholic perspectives for palliative care, end of life preparation and starting the conversation with your family.

Read More

22
Feb

Where there's a will there isn't always a way

It's vital, but your will is just the first step of your estate plan

Posted by John Tetzloff



02
Feb

Prepare, Provide, Preserve 1: Soul Prep

Roundtable discussion on getting your soul, and your savings, ready for the next life

Posted by John Tetzloff


John Tetzloff's Creating Wealth Beyond Money radio show tackles death and dying with a panel discussion on Catholic perspectives for palliative care, end of life preparation and starting the conversation with your family.

Read More

29
Jan

The problem of immediate cash needs after death

Young families are vulnerable to these kinds of expenses

Posted by John Tetzloff


Could there be any worse time to have to worry about loss of income than immediately after the death of a spouse? Young families can help ease such a tragedy by prior planning with life insurance. Of course, the next question to ask is, how much do we need?

Read More

21
Dec

Video: End of life issues from a Catholic perspective

Creating Wealth Beyond Money video series addresses end of life issues both spiritual and financial

Posted by John Tetzloff


Advanced Case Specialist John Tetzloff leads this roundtable discussion on end of life issues with Deacon Kyle Kowalczyk and Sales Representative Jon Ginther.

Read More

29
Oct

The impact of student debt from an estate planning point of view

Do student loans impact parents? They can.

Posted by John Tetzloff


Can being a cosigner on student loans affect your estate plan? Definitely.

Read More

16
Oct

Our adult kids need health care directives, too

Prior planning can assist parents with crucial decisions if something tragic happens

Posted by John Tetzloff


As your children reach the 18-year-old milestone and leave home for college or a career, an issue to consider is getting an updated Health Care Directive naming the parents as the child's health care agent.

Read More

29
Jul

What parts of an estate plan are flexible, and when? Part 4

A good plan makes use of elements that can be changed during our lifetime

Posted by John Tetzloff


Part 4: Revocable Living Trust - Flexibility in an estate plan will determine the final outcome of how and when assets are distributed. We have the option to control flexible factors in our estate plan so when things become inflexible, usually at the time of our death, our wishes are fulfilled.

Read More

08
Jul

What parts of an estate plan are flexible, and when? Part 3

A good plan makes use of elements that can be changed during your lifetime

Posted by John Tetzloff


Part 3: Title of property - Flexibility in an estate plan will determine the final outcome of how and when assets are distributed. We have the option to control flexible factors in our estate plan so when things become inflexible, usually at the time of our death, our wishes are fulfilled.

Read More

24
Jun

What parts of an estate plan are flexible, and when? Part 2

A good plan makes use of elements that can be changed during our lifetime

Posted by John Tetzloff


Part 2: Beneficiary Designations - Flexibility in an estate plan will determine the final outcome of how and when assets are distributed. We have the option to control flexible factors in our estate plan so when things become inflexible, usually at the time of our death, our wishes are fulfilled.

Read More

10
Jun

What parts of an estate plan are flexible, and when? Part 1

A good plan makes use of elements that can be changed during our lifetime

Posted by John Tetzloff


Part 1: Personal property - Flexibility in an estate plan will determine the final outcome of how and when assets are distributed. We have the option to control flexible factors in our estate plan so when things become inflexible, usually at the time of our death, our wishes are fulfilled.

Read More

10
Feb

What is your estate tax exposure?

Estate planning rehash

Posted by John Tetzloff


As the federal and state agencies calculate the value of these assets, they come up with the level of "wealth" we have in our estates. These values can expose us to what are called "estate taxes."

Read More

18
Dec

How exactly do you get started on your Estate Plan?

John Tetzloff explains

Posted by John Tetzloff


Here's a four step process to get your estate planning started

Read More

10
Oct

The case for insuring kids

5 reasons to consider insuring kids or grandkids

Posted by John Tetzloff


From a financial standpoint there are many reasons why children should have life insurance.

Read More

01
Aug

Life insurance is leverage

Creating Wealth Beyond Money

Posted by John Tetzloff


Life insurance is a great tool for sorting out estate planning "problems"

Read More

22
Oct

Beneficiary designations: Be specific!

Key points in determining your beneficiaries

Posted by John Tetzloff


Naming a beneficiary should not be taken lightly. There are many issues that make this an important decision...

Read More

it is still important for all of us to continue to create, update and change our estate plans. State estate tax levels are very different from federal rules. And even below the state thresholds, estate plans can offer something for everyone.

Read More

06
Jun

When you think of "living generously," you should consider not just charitable acts to others, but how you can be generous to your own family, in life and in death.

Read More

20
Jul

Take inventory, walk through scenarios and set some goals to get your plan started

Read More

03
May

Of all the age groups that are defined demographically, younger families probably have the biggest need for life insurance planning, both for protection and for the "what ifs" that are a large part of family life.

Read More

14
Nov

Understanding your assets

Posted by John Tetzloff


What assets do I have in my estate? This may seem like a simple statement, but many people don't have a good understanding of the makeup of their estate assets.

Read More

08
Jun

Each state that Catholic United Financial serves has different rules in regard to estate tax issues. If you reside in South Dakota, North Dakota, Iowa or Wisconsin your estate tax rules are virtually the same as the federal government's rules. For those who reside in Minnesota, things are a little different.

Read More

09
May

Estate planning and risk tolerance

Posted by John Tetzloff


Risk tolerance is about age and financial status, but it all comes down to how risk makes you feel.

Read More

25
Apr

Personal planning key to an estate plan

There are certain rules and options that we must play by

Posted by John Tetzloff


Personal Planning deals with how we want to leave our assets upon our death. There are certain rules and options that we must play by when passing assets to our heirs. Knowing these rules and options is very important and will help in making good, educated decisions.

Read More