When Life Changes, Does Your Policy Keep Up?
August 27, 2026
Imagine a policyholder who bought a life insurance policy years ago, back when a starter apartment and an entry-level salary defined the budget. The coverage made sense at the time: […]
1891 Life Lines
Our blog, 1891 Life Lines, lets you stay up on product news, helpful information and all the good that’s going on at 1891 Financial Life. And remember, your membership helps make it all happen.
A Steadier Retirement Story: What a Fixed Indexed Annuity Offers That the Market Can’t
August 25, 2026
The years right around retirement carry a risk that looks nothing like an ordinary bad quarter in the market. A downturn that would barely register during someone’s working years can […]
Turning Savings Into a Paycheck: How a Single Premium Immediate Annuity Works
August 20, 2026
For most of your working life, the goal is simple: Save more. Then retirement arrives, and the goal flips. You’re supposed to spend down the very savings you spent decades […]
More Than a Policy: How 1891’s Fraternal Roots Shape Whole Life Insurance
August 18, 2026
A life insurance policy from 1891 Financial Life starts working the moment a member signs it, and it works in two directions at once. One dollar of premium secures a […]
Freed-Up Cash, New Goals: Timing Flexible Premium Deferred Annuity Contributions in Late Summer
August 13, 2026
Kindergarten changes more than a family’s morning routine. For parents who have paid for daycare or preschool for several years, the move to full-day public school often erases a line […]
The Real Cost of Waiting: How Age Affects Your Life Insurance Premium
August 11, 2026
Putting off a life insurance decision may not feel like a financial choice in the moment. It feels more like a task sitting on a list, easy to push another […]
Explore 135 Years of History at 1891 Financial Life
August 6, 2026
Step back in time and discover the remarkable story of a single act of kindness that grew into 135 years of faith, service, and financial protection. 1891 Financial Life invites […]
No 401(k)? Here’s Where a Nonqualified Annuity Fits for the Self-Employed
August 6, 2026
Running your own business comes with plenty of freedom, but a retirement plan usually isn’t handed to you along with it. Without an employer sponsoring a 401(k) or matching contributions, […]
1891 Financial Life Marks 135 Years of Faith, Service, and Financial Protection at Member Summit
July 29, 2026
SCHAUMBURG, IL (July 29, 2026) – The 1891 Financial Life 2026 Member Summit weekend began on July 18, 2026 with a special Mass and the installation of the newly elected […]
Meet Your New Board!
July 29, 2026
1891 Financial Life is proud to introduce the newly elected Board of Directors, who were officially installed during the organization’s Member Summit on July 18, 2026.As a fraternal life insurance […]
Term Life Insurance: How Long Do You Actually Need Coverage?
July 28, 2026
Most people choose a term length the way they choose a hotel room: quickly, and without much of a framework. Maybe a friend mentioned 20 years. Maybe a quote tool […]
What Is a Flexible Premium Deferred Annuity — and Who Is It For?
July 23, 2026
Most people picture an annuity as something you buy with a large sum of money, all at once, right around retirement. You hand over a lump of savings, and in […]
Life Insurance for Your Child: What Parents Should Know
July 22, 2026
Most parents spend years building a financial head start for their kids. Savings accounts get opened in the hospital nursery. College funds get set up before a child can walk. […]
Can You Use an Annuity To Supplement Your Social Security Income?
July 16, 2026
For most of your working life, Social Security sits in the background as a promise: a check that arrives every month once you retire, no matter what. When retirement actually […]
Fixed Indexed Annuity vs. Multi-Year Guaranteed Annuity: Which One Fits Your Retirement Plan?
July 14, 2026
You’ve done some research. You know you want a financial vehicle that grows your retirement savings without exposing them to market risk, and you’ve landed on two names that keep […]
What Is Whole Life Insurance — and Is It Worth It?
July 9, 2026
Whole life insurance has a complicated reputation. It costs more than term. A quick search turns up plenty of opinions calling it a bad deal, a relic, or worse. Somewhere […]
What Is a Nonqualified Annuity — and How Is It Taxed?
July 7, 2026
The moment “annuity” and “taxes” show up in the same sentence, a certain kind of dread tends to kick in. It doesn’t need to. The tax treatment of a nonqualified […]
New eApp Delivers Faster, Simpler, and More Convenient Digital Experience for Agents and Clients
June 30, 2026
SCHAUMBURG, IL – 1891 Financial Life is pleased to announce the official launch of its new Electronic Application (eApp) platform for their annuity products, marking another step forward in the […]