Knights of Columbus Insurance Review & Complaints: Life Insurance

Knights of Columbus Insurance reviews find a list of basic insurance policies that include long-term care, disability, annuities, and life insurance coverage for members of the fraternal service order. Knights of Columbus Insurance quotes are available only to members, and there is a Knights of Columbus membership fee of $30/yr.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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Knights of Columbus Insurance

Financial Strength

The Knights of Columbus is a Catholic fraternal benefit society that was established more than 140 years ago to provide assistance to parishioners in need. They provide life insurance, long-term care, and disability insurance across the U.S. and Canada on a membership basis.

Our Knights of Columbus insurance review will cover everything you need to know, from policy options to life insurance rates.

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What Is Knights of Columbus insurance?

Like many faith-based fraternal societies, the Knights of Columbus company was created in response to the financial hardships experienced by members of a local parish and a desire to provide assistance. The Knights of Columbus group was created in 1882 in New Haven, Connecticut by the parish priest at St. Mary’s Church and a group of men from the parish. A big part of the goal of the Knights of Columbus was to create a pool of resources that could be used to help members in times of need – specifically the death of a breadwinner in the household.

The Knights of Columbus group expanded over the years and today has nearly 2 million members throughout North America. They are the largest and best known Catholic fraternal society in the world, referring to themselves as the “Church’s right arm”, and are active in charitable activities in addition to insurance.

The group remains a membership society open only to practicing Catholic men over the age of 18, but insurance products are available to both members and their family members. Products are sold through agents, all of whom are members of the Knights as well. Membership has an annual money fee of $30 in funds a year, and it comes with a variety of benefits including survivor assistance following the death of a member.

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What insurance products are offered?

The insurer offers a handful of basic insurance programs aimed at reducing family financial burdens in times of illness or death. Life, long-term care, and disability insurance are the main products; they also offer annuities.

Life Insurance

There are both permanent life insurance and term life insurance products available.

Whole life insurance is available in either single premium or monthly payment premium versions, allowing policyholders to pay in whatever way is best for their needs. The listed payment options are:

  • Single premium
  • 10-pay, in which premiums are spread out over 10 years
  • 20-pay, in which premiums are spread out over 20 years
  • Paid up at 65, a plan that allows the premiums to paid in full by age 65
  • Paid up at 100, which is essentially a standard monthly payment plan. The plan is paid up at age 100, but since not many live to that age it can be considered a lifetime premium plan
  • Graded premium, which starts with lower premiums that increase over time and eventually level off.

Term life insurance policies are offered as annually renewable policies or in 10, 15, or 20-year terms. The Accelerator Term plan allows the death benefit to increase over time by 25% in order to keep up with inflation.

In their portfolio of life insurance products, there is also a Young Adult product aimed at those 18-29. This is a low-cost annual renewable plan.

Long-Term Care

Long-term care insurance is available with a variety of options to choose from and includes a 30% discount when a member and spouse apply for coverage together.

Long-term care insurance coverage can be either comprehensive or facilities-only. Benefit period options are 3, 5, or 10-year, and a daily benefit amount can be selected by the policyholder. Plans can have an elimination period (time before benefits kick in) of either 30, 90, or 180 days. This is a lifetime period.


Disability income insurance is available with an insurance benefit period of two or five years, or the option to extend benefits to age 67, providing income until retirement. Again, a monthly benefit amount can be selected by the policyholder. Elimination periods are the same options as the long-term care product.


The company offers a variety of annuity options, including single premium and flexible premium, to provide income assistance in retirement. Traditional annuities, Roth annuities, and Tax Sheltered Annuities are among the choices of retirement annuities.

Are the company’s rates competitive?

The company’s website does not offer rates, and quotes are only available from insurance agents. It is not clear whether you need to be a member to get a quote from an agent, but since you do have to be a member to buy an insurance policy it seems likely that they focus their sales efforts on existing members or on those considering membership.

The $30 a year membership fee is not a large amount, but it does need to be added to the calculations when comparing costs. If you are already a member or looking to become a member regardless of the insurance aspect, it’s likely a non-issue.

How are claims processed?

We were unable to find any claims information on the company website. There is an insurance login area for members, which may be where claims information is located or may just be to make an insurance payment online. Claim info is, of course, likely handed out with the policy when issued.

It is unusual to see a life insurance company that does not mention claims at all, not even to provide a claims phone number on the website. Even the contact page does not offer a phone number, only a contact form that can be filled out and submitted. Contact your insurance agent for help with claims.

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Does the company have positive ratings and consumer reviews?

Knights of Columbus Insurance has been Better Business Bureau (BBB), an insurance rating agency, accredited since 2002 and has an A+ rating. There are no complaints or reviews listed on the site and no indication of insurance fraud.

There are 16 reviews on Pissed Consumer, most of which are in regards to insurance but a few of which seem to be directed at the order in general. One, in fact, is a complaint about an incident at a bingo hall. Complaints in regards to insurance are generally about claims issues, but there are also two reviews from former agents. All of the comments are negative. Taking out the reviews that are not about insurance, however, we are left with a low complaint volume.

What’s the bottom line?

Insurance through the Knights of Columbus might be worth a look for those that are already members of the order or are inclined to become members. The products themselves are not likely to be the impetus for joining. We do not have rates for comparison, but we do recommend shopping around if the best policy at the best price is of greater importance to you than the source of the policy being associated with the Catholic Church.

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