Why Catholic Order of Foresters

Is Such a Core Part of Trinity Financial Group

Putting Clients First - By Principle

We believe in conducting our business with integrity, transparency, and care. Guided by our Catholic values, we approach every client relationship with a deep moral responsibility to serve others honestly and thoughtfully. Each recommendation is grounded in what truly makes sense for your situation, your family, and your long-term goals, not sales pressure or short-term incentives.

What is Catholic Order of Foresters?

Catholic Order of Foresters (COF) is a fraternal benefit life insurance society dedicated to protecting the financial security of Catholic families through innovative life insurance products and annuities providing guaranteed lifetime income. Bringing Catholic values to life since 1883, Catholic Order of Foresters offers its members opportunities for spiritual, social, and charitable growth.

COF is licensed in 46 states and the District of Columbia. For over 140 years, COF has remained a trusted leader in the fraternal insurance industry by engaging Catholic communities and supporting them through fraternal outreach programs and service initiatives.

Why we work so closely with
Catholic Order of Foresters

Catholic Order of Foresters (COF) aligns naturally with the deeply held Catholic faith of many of our agents and the values that guide how we serve our clients. As a fraternal benefit society, it is built on principles of service, community, and mutual support - placing people before profits.

This sense of fraternalism fosters belonging, accountability, and long-term commitment. It reinforces an approach centered on protecting families, acting with integrity, and making decisions with your best interests in mind.

  • Fraternalism is the belief that people are stronger when they belong to a community built on shared values, mutual support, and service to others. It emphasizes members helping one another, protecting families, and making decisions that serve the common good.

  • Term insurance serves an important purpose, providing larger amounts of coverage for a budget-friendly cost during key years of financial responsibility. It is commonly used to protect income, cover a mortgage, or ensure financial stability for a family during working years.

    Catholic Order of Foresters’ term life solution[1] is guaranteed renewable at attained age, regardless of changes in health. This feature reflects the society’s commitment to serving Catholic clients with flexible, faith-aligned protection when it is needed most.

    [1]This is a flexible premium, adjustable life insurance policy which has been designed to support a wide range of premium strategies including term strategies and cash value strategies. See policy for all terms, conditions, exclusions and restrictions.

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  • Cash-value whole life insurance can serve as a stable foundation within a diversified financial strategy. It offers guaranteed protection, long-term cash value growth, and a level of predictability that can help balance market-based assets over time.

    Catholic Order of Foresters’ cash-value whole life[2] is designed with flexibility in mind, allowing clients to optimize their premium payments to meet changing needs throughout life. This feature reflects COF’s commitment to serving Catholic clients with planning solutions that protect families, support long-term goals, and provide financial resilience—especially during periods of market volatility.

    When thoughtfully structured, cash-value whole life can provide liquidity, strengthen a portfolio, and safeguard what matters most while complementing other investments, savings, and planning tools.

    [2] Genesis Life. See policy for all terms, conditions, exclusions and restrictions.

  • Single Premium Universal Life with Guarantees

    Catholic Order of Foresters’ Single Premium Universal Life (SPUL)[3] offers guaranteed, tax-free4 death benefits and deferred growth, providing a stable foundation within a diversified financial strategy.

     This product provides value for Catholic clients, offering flexibility to reallocate assets and adjust to changing financial needs while maintaining long-term protection. SPUL is ideal for families seeking to strengthen their portfolio, plan for the future, and leave a thoughtful, faith-aligned legacy.

    [3] Insurance policy forms: ICC21-SPE, COF-SPE-CA, COF-SPE-FL, COF-SPE-SC, COF-SPE-SD. Not available in all states. Available to those ages 50-85. $10,000 minimum premium. See policy for all terms, conditions, exclusions and restrictions.

  • Advantages of a Fixed Deferred Annuity

    A Fixed Deferred Annuity offers guaranteed growth and principal protection, making it a reliable tool for long-term financial security and retirement planning. With predictable interest accumulation and flexible payout options, it allows clients to plan with confidence.

    ‍Catholic Order of Foresters’ Fixed Deferred Annuities[4] are designed in alignment with Catholic investing principles, supporting asset management in a way compliant with the teachings of the Catholic Church. This provides Catholic clients the ability to grow and protect wealth while honoring their faith and moral values.

    [4] Advantage Flex Flexible Premium Deferred Annuity (FPDA). Forms: FPDA 2011, FPDA 2011 AZ, FPDA 2011 CA, See contract for all terms, conditions, exclusions, and restrictions.

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  • Innovative Solutions for Catholic Families

    Catholic Order of Foresters continually strives to bring innovative features to their product offerings to help Catholic families thrive. Unique options such as the Chronic Illness Rider, Disability Income Rider, and Fraternal Legacy Rider[5] are designed specifically to provide additional protection, flexibility, and long-term security, available exclusively to COF members.

    These innovations reflect COF’s commitment to faith-aligned financial solutions that support families, safeguard legacies, and uphold the values of service, community, and moral responsibility. ‍

    [5] The Chronic Illness Rider, Disability Income Rider, and Fraternal Legacy Rider are optional riders that are available. Some riders may be available at an additional cost. Subject to rider terms and conditions.

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