1–2x
Salary — typical group life
Your local has your back on the job. But group coverage is rarely enough, and it doesn't always follow you. Your family's protection should be yours to keep.
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My grandfather was a master electrician. My father was a lineman with the union. I know what the card means — and I know group benefits, while valuable, were never built to be the whole plan.
Individual coverage sits on top of your union benefits — it's portable, it's yours, and it protects your family through every contract, every local, and every layoff until the day you decide you're done.
Solidarity takes care of the brotherhood on the job. This is how you take care of the people waiting at home.
Group life through the local is usually one or two times pay — a solid start, but not enough to clear a mortgage and replace years of income — and it's tied to the work, so it can lapse between jobs or after you retire.
With individual coverage, you own the policy — it's portable and protects your family through every contract, every local, and every layoff, unlike group coverage the plan controls.
No medical exam is required for most plans. It sits on top of your union benefits, so there's no need to replace anything you already have.
Every plan is different — verify your specific coverage with your local or plan administrator before assuming a gap exists.
Tell us your trade and state — we'll show you what your family would actually receive.