Masonic Life Insurance (2025) Guide

What Is the Best Life Insurance for Masons? Explore All the Best Options in 2025 + YouTube Video

There are many excellent life insurance options available for masons offered by top-rated insurers. It’s important to explore these choices and gain a better understanding of your life insurance options.

As a Master Mason with over 40 years of experience in the fraternity, I am committed to helping our brethren find the best policy that suits their needs at the most affordable premiums.

Purchasing life insurance is a significant decision, and it’s wise to take your time and thoroughly research your options. Although the Masonic Life Insurance group plans are no longer available, you can still secure competitive rates for individual life insurance from reputable A-rated companies. This article will explain exactly what you need to know.

 

Learn the Strategies for Purchasing Masonic Life Insurance

We’re here to answer all your questions and help you shop smartly, ensuring you make a confident and informed purchasing decision.

When considering Masonic Life Insurance, it’s important to grasp the basics and understand the different plan designs available. You don’t need to become an expert, but having a solid understanding of the fundamentals will help you make an educated choice.

While many of our brethren focus solely on price when searching for life insurance, it’s crucial to also consider the plan design to ensure you’re adequately insured.

Too often, people discuss the cost of insurance without fully understanding the product they’re planning to purchase. This approach is like putting the cart before the horse.

If you need assistance in understanding the process of shopping for life insurance, we’re here to help you seven days a week. 

 

Choose From Five Main Plan Designs

Term Life Insurance:

Term insurance is temporary life insurance that stays in force for a specific time. On average, affordable term life insurance is generally between 10-40 years.

Universal Life Insurance:

Universal Life is a permanent form of insurance that lasts for the rest of your life as long as you pay the premiums.

Keep in mind that universal life insurance does cost more than term insurance, but it lasts forever, unlike term insurance.

Whole Life Insurance:

Whole Life is another permanent product that keeps building up cash value as the year progresses, but whole life is financially impractical due to its high cost.

As a result, many companies do not offer this product any longer.

Senior Life Insurance: 

Senior life insurance is also known as final expense life insurance for seniors or burial insurance. It can be purchased if the individual is in poor health and cannot quickly obtain conventional life insurance.

In the past, the request for this final expense life insurance was regarded as funeral insurance.

It would be great if each state’s Grand Lodge offered a full line of Masonic life insurance benefits to all its members, especially seniors.

No-Medical-Exam Life Insurance:

No medical exam, otherwise known as non-medical policies are a good choice if you are in good health and you need your coverage to begin in the least amount of time. If you do not like the idea of taking a short physical exam or getting a blood test, this is the policy for you.

The turnaround time for these no physical exam policies can be as as quick as one day, depending on the specific carrier you apply with. These policies do cost a little more, but not by much when compared to conventional policies.

 

How to Avoid Common Pitfalls When Purchasing Life Insurance

Buying life insurance is a significant financial decision, and avoiding common mistakes can help ensure your loved ones are properly protected. Here are expert-backed strategies to sidestep the most common pitfalls:

1. Accurately Assess Your Coverage Needs

Avoid underinsuring:

Many people underestimate how much coverage they need, leaving their families financially vulnerable. Experts recommend calculating your coverage based on your income, debts, future obligations (like college tuition), and the number of years your dependents will need support. A common rule of thumb is 10–12 times your annual income.

Consider all dependents:

Don’t forget to include stay-at-home parents or anyone whose loss would create a financial burden.

2. Don’t Rely Solely on Employer-Provided Life Insurance

Employer policies often offer limited coverage and may not follow you if you change jobs. Supplement group coverage with an individual policy tailored to your needs.

3. Shop Around and Compare Policies

Compare Masonic life insurance quotes:

 Life insurance rates and features vary widely. Get quotes from multiple top life insurance providers through our quoting system and compare policy options, premiums, and features before deciding.

Check insurer ratings:

Research financial strength and customer service ratings to ensure your insurer is reliable.

4. Choose the Right Type and Term Length

Understand policy types:

 Learn the differences between term, whole, and universal life insurance. Choose the type that best fits your goals and budget.

Select the appropriate term length:

For term life, pick a duration that covers your key financial obligations, such as the years until your mortgage is paid off or your children are independent.

5. Don’t Delay Your Purchase

Buy as early in life as possible:

Waiting increases the risk of developing health issues that can raise premiums or make you uninsurable. Rates are typically lower when you’re younger and healthier.

6. Review and Update Your Masonic Life Insurance Policy if Needed

Adjust as life changes:

Major life events-marriage, children, a new mortgage-should prompt a policy review. Update beneficiaries and coverage amounts as needed to keep your protection current.

Reassess every few years:

Even without major changes, review your policy every few years to ensure it still meets your needs.

7. Understanding Policy Details and the Fine Print

Read carefully:

 Don’t skim policy documents. Understand exclusions, waiting periods, premium structures, and how loans or withdrawals may affect payouts.

Ask questions:

 If anything is unclear, consult a licensed insurance agent or financial advisor.

8. Avoid Unnecessary Riders

Be selective:

Only add policy riders (like accidental death or waiver of premium) if they provide real value for your situation. Too many riders can increase costs without meaningful benefit.

 

Factors That Could Affect Your Premiums

1. Your Current Age
2. Your Health History
3. Driving Record (tickets, accidents, DUI, DWI, etc.)
4. Your Parent’s Life Longevity (early death, cancer, or heart disease)
5. Occupational Hazards (dangerous jobs)
6. Dangerous Sports or Hobbies
7. Height & Weight (overweight or obese)
8. Your Requested Face Amount (death benefit)
9. Type of Policy Applied For (term, whole life, etc.)
10. Your Credit Score

Your premiums will be mainly determined by your health. If you don’t have any health conditions and your height and weight are in check, you will be on your way to receiving the lowest rates possible.

Keep in mind that using tobacco products, especially smoking cigarettes, can increase your rates by over 250%

 

Reduce Your Search Time for Life Insurance

Finding the best life insurance for masons may seem challenging if you don’t have an agent helping you. Here are some common pitfalls to avoid:

1. Spending excessive time browsing multiple websites can lead to confusion rather than clarity. Focus on reputable sources to streamline your search.

2. Repeatedly reviewing the same comparisons can be redundant. Ensure you’re exploring new options and not just revisiting the same information. 

3. Understanding policy details and plan designs is crucial. Speaking with an agent can provide valuable insights quickly and at no cost.

4. Be mindful of selecting the appropriate health class when using quoting systems. Rates like “Preferred Best” are reserved for very healthy applicants with no pre-existing medical conditions, so ensure you choose a category that accurately reflects your health status.

5. Comparing premiums across different websites might seem beneficial, but remember that life insurance rates are regulated by law in every state. A policy from the same company will have consistent pricing everywhere, so focus on finding the right coverage rather than simply the lowest price.

 

How to Shop for Life Insurance the Easy Way

Let an experienced independent agent simplify the process for you. Here are five ways to make it easier:

1. Connect with a knowledgeable independent agent, such as myself, who specializes in life insurance products. There is no cost or obligation for our assistance.

2. Share any medical concerns or details about a hazardous job or sport with us right away because these details are detrimental to your application. We can conduct a simple medical pre-screening if needed, which takes just a few minutes.

3. I’ll guide you through the various Masonic Life Insurance policy options available to you.

4. Use our quoting software to review the best online quotes. Instantly compare life insurance rates from over 40 top companies using our online system.

5. Apply over the phone, and we’ll walk you through the process step-by-step. Modern telephone applications are efficient and save you time.

 

Your Rates Will Never Be This Low Again

Your life insurance rates are currently at their lowest, and they will increase every year as you age. If you have any interest in applying for affordable life insurance, now is the time. As you get older, quoting rates rise, and procrastinating will always lead to higher costs.

Many Americans will put off purchasing a policy which only puts their families’ financial future in jeopardy. Additionally, as time goes on, the likelihood of developing medical conditions increases, which can affect your rates or even your ability to obtain life insurance.

All it takes is the right type of medical issue, such as a form of heart disease, to put an end to kicking the can around when shopping for life insurance. To avoid these challenges, it’s wise to apply and secure your rates as soon as possible, ensuring peace of mind for the future.

You Can Apply for Masonic Life Insurance in Three Ways

Applying for life insurance can be done through three methods, but the telephone method is the most effective.

Paper Applications:

Paper applications have always been the most time-consuming of all. Most people don’t appreciate a conventional 30-page application. In addition, if your handwriting is not legible or you miss a question, the application will be delayed, not to mention the writer’s cramp.

Online Applications:

New and improved online applications are usually much easier for the applicant to complete. The only stipulation is that the applicant must have a computer and some essential internet experience.

Telephone Applications:

Telephone applications are the best way to apply for life insurance. On top of that, telephone applications only take about 15-20 minutes, and all you have to do is listen to the questions and then answer them over the phone.

It does not get any easier than that. Today, modern telephone applications are the number one choice for applying for life insurance.

 

Have Questions? We are Here to Help You 7 Days a Week

If you want to compare Masonic life insurance rates, complete the form on the right side of this page, or use our instant quote form. You can quickly begin comparing the best rates from the top-rated companies.

A modern quote engine like ours will instantly display rates from over 40 insurers.

All of the premiums you see are up-to-date and accurate. Whatever you do, don’t hesitate to contact us with any questions you may have. There is never any cost or obligation for our help. 

All the best,
Jack Venturi