Clergy & Ministry Coverage
Protection for the call and the calling.
Clergy face unique tax treatment, dual-status income, and limited employer benefits. We design coverage and retirement strategies that account for the parsonage allowance, SECA taxes, and bivocational income most generic advisors miss.
Who it's for
Designed for
Pastors, ministers, missionaries, worship leaders, and full-time ministry staff.
"Most denominations don't provide group disability, and clergy retirement plans often miss the SECA tax reality. A plan built for ministry keeps your family — and your church — protected."
What it covers
Inside this coverage
- Term and permanent life insurance
- Disability income with housing-allowance protection
- 403(b) and clergy-specific retirement strategies
- Church general liability and pastoral counseling coverage
- Sabbatical, missionary, and bivocational planning
Trusted across the industry
Real coverage. Real members. Real outcomes.
Members & affiliated groups we serve
"First advisor who understood housing allowance AND SECA. Felt like talking to someone who'd actually been in ministry."
"Life and medevac coverage that follows me on the field. Worth every penny of peace of mind."
Senior pastor, age 47, full income protection
Disability policy structured to count both W-2 wages AND the parsonage allowance. Standard quote would have under-insured by 38%.
Straight answers
What Pastors usually ask first
The objections we hear every week — answered honestly, without the sales pitch.
Is Clergy & Ministry Coverage the right fit for you?
Three quick questions. We'll point you at the right coverage — no commitment, no sales pitch.
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What's your role?
Frequently asked
Good questions, honest answers
Ready to protect what matters?
A real licensed advisor — not a call center — will reach out within one business day.