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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

Upcoming Seminars

St. Charles, MN - March 4 - St. Charles Borromeo Parish

Independence, WI - March 8 - Ss. Peter and Paul Parish

Lake City, MN - March 12 - St. Mary's of the Lake Parish

Circle Pines, MN - March 14 - St. Joseph of the Lakes Parish

Appleton, MN - March 16 - St. John's Parish

Benson, MN - March 16 - St. Francis Parish

 

 

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.

View More Posts in the Company Blog
25
Jan

How does our Bonus Plus Annuity compare as a savings tool?

The advantages to an annuity for long-term savings are many

Posted by Company


During a period of stock market instability many people turn to CDs for their safety. However, the current low interest rate environment has kept CD rates low, which cuts wealth accumulation down to a snail's pace. The national average for CDs during the first month of 2016 was 1.09% APY.¹

Catholic United Financial is offering our Bonus Plus Annuity for a limited time at a 2.25% APY for the first year of the contract. While annuities are not short-term savings tools like CDs, they guarantee principal protection in a similar way but without sacrificing growth. And unlike a bank CD where interest is reportable as income each year, interest in a Bonus Plus Annuity grows tax-deferred. This can have potential tax advantages. Talk to your tax advisor to learn more.

During a five-year period, a $10,000 Catholic United Bonus Plus Annuity and an average $10,000 bank CD will perform as outlined in the charts below.

 

A Catholic United Bonus Plus annuity can be a competitive financial product, considering that:

  • There is no stock market risk with this annuity.
  • The APY is guaranteed to never drop below 1.5% for the life of the contract.
  • There are no service or account fees that take a bite out of your interest earnings.
  • There is a 7-year surrender period, but after the first year you can withdraw up to 10% of the current value annually without a surrender fee.²
  • There is no surrender fee paid by a beneficiary of the annuity.
  • The interest grows tax deferred, so there are no interest earnings to report on your tax filings until the interest is withdrawn.³

If you are saving for the long-term, a Catholic United Bonus Plus Annuity is an excellent financial tool.

Catholic United rules for our annuities are simple, straightforward and easy to understand. The application for the annuity is a simple form that can take just a few minutes to complete. You can contact your local Sales Representative to learn more.

 

¹Annual Percentage Yield. Current national average of 1-year CD rates was 1.09%, according to Bankrate.com on Jan. 31, 2016. ²Federal & state penalties may apply. Withdrawals prior to age 59 1/2 will be subject to government penalties. On a Bonus Plus annuity, there is a 7-year surrender period (7%, 6%, 5%, 4%, 3%, 2%, 1%). ³Catholic United Financial does not provide tax advice. See your tax preparer for advice on your situation. Minimum deposit required. Maximum issue age is 85.  Form 11A-1

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