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Life Insurance

State Employees' Credit Union makes available term and whole life insurance.1 Term life insurance can include level-term policies; meaning the premium is issued at a fixed rate, the amount is level, and it will not change for the length of the term. Term life provides simple coverage designed to be affordable that may allow more coverage for your premium dollar. Whole life policies provide lifetime protection with level or single premium options.

Features Found in Most Level Term Policies

  • Competitively priced
  • Provides pure insurance protection
  • Issued at a level rate
  • Premiums will not increase during the term elected for coverage
  • Premiums may be paid monthly, quarterly, semi-annually or annually
  • Monthly payments can be drafted from a checking account
  • Annual renewable rates increase if coverage continued beyond term
  • Many terms available, including: 10, 15, 20 or 30 years depending on age
  • Coverage available in amounts of $25,000 to $1,000,000 or more

Features Found in Whole Life Policies

  • Competitively priced
  • Provides lifetime insurance protection
  • Issued at a level rate
  • Premiums will not increase during the insured’s lifetime
  • Premiums may be paid monthly, quarterly, semi-annually or annually
  • Monthly payments can be drafted from a checking account
  • Accumulates cash value over time
  • Coverage available in amounts of $10,000 to $1,000,000 or more
For detailed information about life insurance policies made available through SECU, please contact a licensed representative. For a risk-free quote, please contact an insurance representative or request a quote online through Member Access.

Life insurance is sold through CMFG Life Insurance Company. This insurance is not a deposit and is not federally insured or guaranteed by your credit union.


1 Auto, homeowners, other personal lines of insurance and term life insurance are available through your local branch. These products along with health insurance, whole life insurance and long term care insurance are available through SECU Insurance Services. SECU Insurance Specialists are licensed to sell insurance in North Carolina only. You can contact an SECU Insurance representative toll free at 1-888-732-8562 or locally in Raleigh at 919-857-2150 Monday - Friday from 8:00 am to 5:30 pm.


Form #LIFE-0711-9FE3

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*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.