Business Details
50+ Years
experience
Your Trusted Partner for Life Insurance and Annuities in Westminster
Founded in 1908, WSA Fraternal Life has dedicated over a century to providing financial security and community-focused benefits to families across the United States. Our mission centers on offering high-quality life insurance and annuity products while fostering fraternal values and member support. With a legacy rooted in the traditions of mutual aid among immigrant communities, we have evolved into a leader among Fraternal Benefit Societies, combining financial strength with innovative solutions. Our commitment to transparency, stability, and member-centric services has earned us the trust of over 3,000 members nationwide. We prioritize lifelong coverage, cash value growth, and dividend options tailored to individual needs, ensuring uninterrupted protection through automatic premium loans.Our Lodge Activity Funding Program empowers local communities, and our affiliation with the American Fraternal Alliance strengthens our network of 10 million fraternalists. Headquartered in Westminster, Colorado, we maintain a focus on ethical practices, financial literacy, and strategic growth, guided by a board of directors with decades of experience in finance, education, and community leadership. Our products, including Integrity Plus Whole Life and Integrinuity annuities, reflect our dedication to adaptability and long-term security. Through 117 years of economic shifts and societal changes, our core philosophyplacing members firstremains unchanged, ensuring we continue to protect families and build stronger communities.
Services
Life Insurance
Annuity Products
Fraternal Benefits
Lodge Funding
Community Programs
Details
- Year established: 1908
Highlights and features
- We offer 117 years of experience in fraternal financial services.
- Our products include guaranteed lifelong coverage and dividend flexibility.
- We prioritize community empowerment through lodge funding programs.
- Our board includes experts with decades in finance and community leadership.
- We provide tailored annuity solutions with tax-deferred growth options.
Associations and certifications
- American Fraternal Alliance
Services
Integrity Plus Whole Life
Integrity Plus Whole Life provides lifelong coverage with guaranteed premiums and cash value accumulation. Dividends can be applied to increase coverage, reduce costs, or earn interest. Designed for ages 0-85, it includes optional accidental death benefits and eligibility for scholarship programs, ensuring long-term financial security for families.
Integrinuity Flexible Premium Deferred Annuity
This annuity allows flexible deposits ($300$5,000 annually) with tax-deferred interest growth. Penalty-free withdrawals up to 10% are permitted after the first year, though early surrenders incur declining fees. Ideal for retirement planning, it supports systematic growth through electronic fund transfers and offers scholarship benefit eligibility.
Integrinuity Single Premium Immediate Annuity
A lump-sum investment generating guaranteed monthly income for life or a fixed period. Available to ages up to 90, it offers three settlement options: Certain, Life, or Combination. Competitive rates and scholarship eligibility make it a reliable choice for retirees seeking predictable cash flow.
People
John J. Kogovsek
Chair of the Board
Serving since 1981, John brings over 30 years of public education experience and extensive volunteer leadership. His dual expertise in financial governance and community engagement shapes WSA's strategic vision.
Diana Bartolo
Vice-Chair of the Board
Elected in 1989, Diana leverages 29 years in government housing and development. Her financial acumen and policy expertise guide WSA's administrative and fiscal decisions.
Gary L. Moore
Secretary-Treasurer
A 30-year banking executive, Gary has served since 1989. His financial leadership as Secretary-Treasurer ensures WSA's fiscal stability and strategic growth through rigorous accounting and planning.
Randy R. Fuss
President/CEO
Leading since 1995, Randy combines insurance, real estate, and fraternal sector expertise. His vision drives WSA's growth and stability, maintaining its mission amid economic challenges.
Cynthia Conte
Director
With 20+ years in business and community leadership, Cynthia has served since 1995. Her organizational skills and volunteerism align WSA's fiduciary duties with its community-focused mission.
Questions
What services does WSA Fraternal Life offer?
We provide life insurance, deferred and immediate annuities, and fraternal benefits, including lodge funding and scholarship programs.
How long has WSA Fraternal Life been in business?
We have served families since 1908, celebrating 117 years of financial expertise and community support.
Are WSA's insurance premiums guaranteed?
Yes, Integrity Plus Whole Life offers guaranteed premiums through age 100 with dividend flexibility.
Can I access funds from my annuity early?
Penalty-free withdrawals up to 10% are allowed after the first year, with declining surrender charges for early withdrawals.
Is WSA Fraternal Life affiliated with other organizations?
We partner with the American Fraternal Alliance, strengthening our network of 10 million fraternalists nationwide.
