How can houses of worship stuggling themselves in an uncertain economy assure financial security for older clergy while making room for younger clergy?  Implementing these plans as foundationally protective tools can leave both ministry leaders and religious organizations in a position of far greater buoyancy allowing clergy to work, live, and retire with dignity and keep ministries flourishing with vigor.




Tax Free Retirement Plans*

Many clergy are extremely under-served with regard to solidifying an adequate retirement plan and many work for decades serving the community with the fear of not being able to live after their tenure.  Want to have that million dollars or close to it for retirement, tax-free, with downside protection?  Want to be able to predict, protect, and control what you have worked so long and hard to save?  Take advantage of these exclusively designed plans and take control of you future.



Disability Income Protection*

Protect yourself and "your own occupation" as a ministry leader in the event of an untimely disability whether it results from an accident and/or sickness. This CML exclusive benefits plan offers coverage extending up to 70% of your gross annual income and benefits are guaranteed renewable for life, tailor-made, portable, and alleviate the financial burden of salary continuation for the disabled staff member. 



Catastrophic Illness Protection*

Are you protected from the stress and the adverse effects it can have on your health?  Have you considered the threat of heart attack, stroke, or any other major condition that would negatively affect your ability to perform the duties of your profession? These protection plans provide lump sum benefits upon diagnosis to help defray the astronomical costs of medical coverage in the event of a catastrophic illness.  



Long Term Care Plans

Age is not a determining factor in needing long-term care. About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime.  About 40% of those receiving long-term care today are between 18 and 64.  These plans will cover you in the event of your inability to perform your activities of daily living and provide you with options from home care to home modification with no waiting period, if necessary.  Tax credits are also offered with these plans and if you should decide to no longer need the plan, you get a full return of premium!  And did we say NO exam needed just a phone interview?



Charitable Donation Plans & Life Insurance*

Wish you could leave a sizable gift to the ministry or religious leader that supports your family and loved ones, perhaps on behalf of a family name or an esteemed loved one? What about your own loved ones? Leave a legacy not a financial burden. These plans can make your wishes possible upon your death, and provide tax benefits for you today! 



*CML Exclusives most popular amongst members!