Member benefits
Mutual Benefit Association
James W. "Jim" Yates
Director of Life Insurance
James W. "Jim" Yates was elected director of life insurance by mail balloting of NALC members in 2018 and again in 2022. Full bio
U.S. Letter Carriers Mutual Benefit Association
100 Indiana Ave., N.W., Suite 510
Washington, DC 20001-2144
The United States Letter Carriers Mutual Benefit Association (MBA), founded in 1891, was created for the benefit of National Association of Letter Carriers members and their families. The MBA is the life insurance division of the NALC. Today, the MBA has more than $224 million of life insurance in force on its members.
Insurance plans offered by the MBA are designed to give NALC members and their families the best possible protection for the lowest cost. See MBA Membership Qualifications for details regarding eligibility for purchasing MBA products.
MBA Board of Trustees
- Lawrence D. Brown, Jr., chairman
- Sandra D. Laemmel
- Charles P. Heege
Insurance and Annuity products of the MBA:
Short-term Disability and Hospital Confinement:
- Individual Disability Income
- Hospital Plus
Whole Life:
- MBA Whole Life
- Paid Up at Age 65 MBA Whole Life Insurance
- Paid Up in 20 Years MBA Whole Life
- Independence- Single Premium Whole Life
- MBA 10-Year Renewable & Convertible Term Life Insurance
- MBA 5-Year Renewable & Convertible Term Life Insurance
- MBA 20-Year Term Life Insurance
- MBA Term to Age 65 Life Insurance
- MBA Retirement Saving Plan
- MBA Family Retirement Savings Plan
- City Carrier Assistant Retirement Savings Plan
- MBA Immediate Annuity
- Accidental Death
- Supplemental Term Life
For more detailed information about our products, brochures or applications please click here, or call the MBA office at 202-638-4318, or contact your branch president or branch MBA representative.
Email us to receive applications and brochures
To receive MBA applications and brochures, email USLCMBA@nalc.org. Please provide:
- Name
- Address
- Branch number
- What brochures and applications you would like, and how many
For policy services, please call our office at 202-638-4318.
More from your Mutual Benefit Association
- The long history of the MBA.
- Membership qualifications for purchasing MBA products. (NALC membership is required to apply for MBA insurance plans)
- MBA Insurance Program brochures contain general descriptions of the basic life insurance, retirement and accident and health insurance plans currently issued to NALC members, with answers to frequently asked questions and links to additional brochures on individual plans
- Forms and filing information for MBA policies
- Definitions of common insurance industry terms
- Director of Life Insurance Myra Warren’s presentations at MBA Workshops during the 2008 NALC Convention in Boston and the 2006 NALC Convention in Las Vegas
- MBA’s privacy policy for policyholders
- How to contact MBA for assistance
- Useful links:
Interest rates for MBA products
Interest rates for Mutual Benefit Association products are set annually by the MBA Board of Trustees. These interest rates are in effect from Jan. 1, 2025, through Dec. 31, 2025.
- Universal Life* — 4%
- Interest Sensitive Whole Life* — 4.5%
- Deferred Annuities — 4%
- Flexible Annuities * — 3%
- Life Dividends Left on Deposit — 2.25%
- Newly issued Supplemental Contracts* — 2.25%
- Death Claim interest on proceeds — 2.25%
* Subject to minimum contractual guarantees