We are keeping the costs associated with your membership as low as possible, and will continue to do to so over the years. Our intent is to have the membership fees decline instead of rise, as is often the case with a typical insurance policy. Currently, we are charging just $20 per month for maintenance fee and program support. This fee is used for various purposes such as mailing costs, computer costs, building costs and investments for future claims.

This program is designed for the common person to be able to leave something behind for their family when they die. We have figured the costs to be as low as possible, and as a result of this the membership cost per member will also decline.

The maximum pay out for our policy will be 1 Million USD once we reach 20,000 members. Until we reach 20,000 members, the benefit will be $50 times the number of active members. If we have a member pass when we have 20,000 members, then the cost per member will be just $50 for a total benefit of 1 million dollars. As the membership increases to 20,425, then the cost per member will be just $49. Please review our Contribution page for a complete breakdown all the way to 1 million members, where the contribution will be just $1.

With any new program that is self-supporting, it will take time to grow the membership. So, let's take a look at the costs to be a member over the course of 10 years with an average annual growth of just 5%. Let's start out with just members that have signed up and increase membership 5% each year.