Term Life Insurance
Affordable 10, 20, or 30-year coverage to protect your family during the years that matter most.
Learn more →A Fraternal Life Insurance Society
Life, whole life, annuities, Medicare supplements, and final expense coverage.
Built around your family, your stage of life, and your peace of mind — from our home in Austin, Texas.
June 2026 · Free virtual consultations available for Texas, Oklahoma, Arkansas, and Louisiana residents — schedule any time.
Insurance Plans
Built around your family, income, and long-term goals — combining only the protection you actually need, with no upselling.
Affordable 10, 20, or 30-year coverage to protect your family during the years that matter most.
Learn more →Lifelong protection that builds guaranteed cash value — a foundation for your family's long-term security.
Learn more →Lump-sum benefits paid directly to you if you're diagnosed with cancer, stroke, or heart attack — for treatment, bills, or anything else.
Learn more →Fixed and deferred annuities to generate predictable retirement income — backed by Gleaner's strong reserves.
Learn more →Burial and funeral protection up to $50,000 — guaranteed acceptance plans available for ages 50–85.
Learn more →Lock in low rates for your child's lifetime and build cash value they can use for college, a first home, or anything else.
Learn more →Why Gleaner
We don't sell insurance — we design protection plans, then stay with you as your family grows.
From your first quote to filing a claim, the same licensed Gleaner advisor stays with you — no call-center handoffs.
As a fraternal benefit society, we answer to our policyholders — not Wall Street shareholders. Profits return as member benefits.
Meet with us by video anywhere in Texas, or visit our Austin office on Oldfort Hill Drive. Whatever fits your schedule.
When the moment comes, your advisor walks the family through the paperwork — so they can focus on each other, not forms.
Insurance Learning Center
Whether you're shopping for your first policy or reviewing coverage at retirement, our guides walk you through it in plain English.
Term vs. whole life, what "cash value" actually means, and how riders work. Start here if you're brand new.
Read the guides →Estimate how much life insurance your family needs, what your retirement income could look like, and college savings targets.
Run a calculator →Beneficiary, underwriting, surrender value, annuitization — the words insurance companies use, finally explained.
Browse glossary →New baby, new home, new job, retirement: short checklists for each milestone so nothing important slips through.
See checklists →Health & Safety Quarter
Quarterly safety resources we publish for our members and the wider Austin community — free for anyone to use.
Smoke alarms, water-leak sensors, electrical hazards — practical checklists you can complete in an afternoon.
Get the checklist →Texas-specific guides for tornado season, hail, ice storms, and power outages — including a printable family plan.
View weather guide →Defensive driving tips for Austin's busy corridors, teen driver agreements, and senior road-safety refreshers.
Read the tips →Free blood pressure clinics each February at our Austin office, plus heart-healthy recipe cards and exercise plans.
See schedule →Car-seat fitting events, fall-prevention guides, and Medicare scam-awareness sessions for the people you love.
Find an event →Texas crisis-line directory, employer EAP basics, and links to community counseling at sliding-scale rates.
Get resources →Member Wellness
Gleaner members get access to wellness programs designed to support body, mind, and family well-being — included with most policies.
Members can claim a wellness reimbursement each year toward checkups, dental cleanings, or vision exams.
Reduced rates at participating Austin gyms, plus subsidized YMCA family memberships through our wellness partner network.
Free virtual sessions with registered dietitians and a Type-2 diabetes management program for qualifying members.
Complete two preventive screenings as a family in a year and earn a credit toward your next premium.
Member Stories
"We came in right after our daughter was born. Our Gleaner advisor put together a term life policy and a juvenile plan together, and the monthly cost was lower than we expected. We can actually relax now."
"I had three different life policies from different companies and no idea what I actually had. Gleaner walked through all of them, consolidated where it made sense, and saved us almost $1,200 a year."
"When my husband passed, our advisor handled almost every form. The claim was paid in under two weeks and I never once felt alone in the process. That is what they promised, and it's what they delivered."
How It Works
Use the form, email us, or call our Austin office. Initial consultations are always free and never high-pressure.
We learn about your family, finances, and goals — then identify what protection you truly need (and what you don't).
You'll see 2–3 plans laid out clearly, with monthly cost, coverage, and tradeoffs — no fine-print surprises.
We check in annually and any time your life changes — new baby, new home, new job — to make sure your coverage still fits.
Community & Fraternal Outreach
As a fraternal society, giving back is part of who we are. Members can join service projects, scholarships, and matching-grant programs across Central Texas.
Raise money for a local cause and Gleaner matches a portion — over $180,000 distributed across Austin nonprofits last year.
Annual scholarships for college-bound children of policyholders, awarded each May at our Austin headquarters.
Quarterly group volunteer events with Austin Food Bank, Meals on Wheels, and Habitat for Humanity — open to members and families.
A dedicated fund supporting Texas members affected by hurricanes, ice storms, and wildfires — fast disbursements, no paperwork delays.
Frequently Asked Questions
Yes — consultations and quotes are always free, with no obligation. We're compensated through the carriers when a policy is issued, so you never pay us directly for advice.
Absolutely. We meet members across Texas (and our other licensed states) by Zoom, Google Meet, or phone. We'll mail or email materials in advance so you're never caught off guard.
Yes — bring or upload your current policies and we'll lay them out side by side, point out gaps or overlaps, and only recommend changes if they genuinely help your situation. A review-only consultation is fine.
No. Our entire philosophy is "decide when you're ready." If our plans don't fit, we'll say so, and we won't keep contacting you unless you ask us to.
We work with carriers that offer simplified-issue, guaranteed-issue, and modified plans designed for people with health concerns. There are almost always options — let's talk through yours.
We're licensed across Texas, Oklahoma, Arkansas, Louisiana, and New Mexico, with our headquarters in Austin. Members elsewhere may still be served through our national fraternal network.
Contact Us
Consultations and quotes are always free.
We typically reply within one business day.