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Protection & Insurance
So that no family is left alone with the bill.
Life and final-expense cover, repatriation support, home, renters and auto protection, and identity and fraud protection — arranged through licensed carriers and explained in your language.
Life and final expense
Group-rate life and final-expense cover arranged through licensed carriers, so that a family can bring a loved one home and settle what must be settled without falling into debt.
- Final expense and repatriation
- Term and permanent life
- Guaranteed-acceptance life

Home, renters and auto
Homeowners, condo and renters cover, auto insurance and protection for RVs, boats and motorcycles, through licensed carriers.

Identity and fraud protection
Identity protection, a fraud helpline and device security protect the household from the scams that target families with a foreign-born story.
Scam Watch
Vetted legal help
Referrals to vetted professionals for contracts, leases, wills and family matters. We do not provide legal or immigration services or advice.

The Mutual Aid Compact
When a family faces a cost no household can carry alone, member associations can stand together through a written, standing commitment. The Compact is not insurance and creates no right to payment.
Read the Compact
Member programmes in this area
16 programmes from the catalogue. Each shows its status: live today, or opening as its partner agreement is signed.
InsuranceFinal expense & repatriation
Guaranteed-issue cover that pays the funeral home directly, here or at home. Bringing someone home is one of the heaviest costs a family can face, and almost no household has it ready.
Opening soon
InsuranceTerm life
Group-rate term cover through the association, up to a fixed amount without a medical exam on some tiers.
Opening soon
InsurancePermanent life
Fixed-premium whole-life cover that builds value for the family.
Opening soon
InsuranceGuaranteed-acceptance life
No-exam cover for members who have been refused elsewhere.
Opening soon
InsuranceAuto insurance
Carriers that write for foreign licences and thin credit files, without the penalty rate.
Opening soon
InsuranceHomeowners, condo & renters
Member rates for owners and renters, through licensed carriers.
Opening soon
InsuranceRV, boat, motorcycle & manufactured home
Specialist cover for the vehicles and homes mainstream carriers overlook.
Opening soon
InsuranceLong-term care
Customisable long-term-care options for the parent you may one day care for.
Opening soon
InsuranceHospital indemnity
Cash benefits when a hospital stay puts a household under.
Opening soon
InsurancePet insurance
Member rates on cover for the family pet, through licensed carriers.
Opening soon
InsuranceRetirement income & annuities
Supplemental retirement income products that work whether you retire here or at home.
Opening soon
Protection & legalScam Watch
Alerts on the scams targeting our communities, sourced from the associations themselves.
Live
Protection & legalLabour rights & wage protection
What you are owed, who to report to, and a worker centre or legal aid that speaks your language.
Live
Protection & legalVetted legal help
A first consultation at a member rate with an attorney we have vetted, in your language.
Opening soon
Protection & legalIdentity protection
Monitoring and recovery for the identity theft our members are most exposed to — ITIN and Social Security misuse.
Opening soon
Protection & legalFraud helpline
A free helpline and resources for members who suspect a fraud.
Opening soonFree for everyone
Open to every family, member or not.
Questions, answered plainly
Do you sell insurance?
No. Together and Stronger is not an insurance company and does not sell, issue, solicit or administer insurance. Insurance mentioned here is offered through licensed carriers.
Stronger together, starting today.
Join in a few minutes. Your card arrives immediately, children under eighteen are always free, and no one ever asks about immigration status.
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Each area of life has its own page, its own programmes and its own free help.
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