Life Insurance

We’re pleased to offer life insurance through the Guardian Life Insurance Company of America. We have chosen Guardian because of its competitive rates and excellent service reputation. Guardian is a leading provider of employee benefits and individual insurance coverage.

Founded in 1860, Guardian is one of the largest mutual life insurance companies in the United States. As a mutual company, Guardian is focused 100% on the needs of their customers – employers who choose Guardian and their employees covered by their plans. Today, more than six million employees and their families rely on Guardian as their employee benefits provider.

Life Insurance Options

Purchasing supplemental life coverage through the Board of Retirement allows you to take advantage of discounted group rates. Employees of Free Will Baptist churches, schools and agencies have two different policy options available to them.  If you separate employment from FWB, you can no longer maintain the group coverage.  However, both plan options have portability options which allow you to take the coverage with you on an individual basis (with age and other restrictions).

Option 1 – Basic Term Life Insurance

This group term life insurance is available for retirement plan enrollees who are under 65 years of age. The Basic Term Life Coverage is $25,000. The monthly premium of $16.50 is deducted from the contributions to your retirement account. There is a 35% benefit reduction at age 70 and 50% benefit reduction at age 75.  For more information regarding this Group Term Life Insurance, you can check out the Benefits Pack. To apply, please fill out the online Retirement Plan Life Insurance Enrollment Form or you may print/complete the application and mail to our office.

Option 2 – Voluntary Life Insurance

This group life insurance is available to any employee of a Free Will Baptist church, school, or agency. You have a choice of $25,000, $50,000, $75,000 or  $100,000 in Voluntary Term coverage. Guardian offers life coverage protection at economical rates. Rates are based on your age and coverage amounts.  Benefit reductions begin at age 65 and every five years thereafter until you reach 80.   Premiums can either be paid monthly by bank draft or quarterly by check. For more information regarding this Voluntary Term Life Insurance, you can check out the Benefits Pack.  To apply, please fill out the online Voluntary Life Insurance Enrollment Form or print/complete application and mail to our office.  In some cases, an Evidence of Insurability Form will need to be completed.


If you have any questions, you can use the form below to send us your questions or call the Guardian at 1-800-627-4200 or the Board of Retirement at 1-877-767-7738. Get access to your Guardian benefits instantly at Guardian Anytime.


    For death reporting and claim procedures, please contact Guardian at 1-800-525-4542.

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