Union Member Coverage
Supplemental protection that picks up where the local leaves off.
Your local provides a strong foundation, but most union benefits end the day you retire, change halls, or get laid off. We layer portable, individually-owned coverage on top — so your family is protected through every contract, strike, and career move.
Who it's for
Designed for
Active and retired members of building trades, transportation, public safety, and industrial unions.
"When the contract changes or you retire out, union-tied coverage often disappears overnight. Individually owned policies stay with you for life — same premium, same benefit, no matter where you work."
What it covers
Inside this coverage
- Portable term and whole life insurance
- Off-the-job accident and disability income
- Critical illness and hospital indemnity
- Final expense for members and spouses
- Retiree gap coverage when union benefits sunset
Trusted across the industry
Real coverage. Real members. Real outcomes.
Members & affiliated groups we serve
"When I retired out, my local life policy disappeared overnight. Prometheus had a portable policy waiting for me at the same premium."
"We were one strike away from losing coverage. Now my family is protected no matter what the contract looks like."
Pipefitter, age 54, layered retiree gap coverage
Member added portable whole life and a critical illness rider 3 years before retirement. When the local's retiree benefit dropped to $10K, the family was already covered.
Straight answers
What Active and retired members of building trades usually ask first
The objections we hear every week — answered honestly, without the sales pitch.
Is Union Member 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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Are you currently active or retired?
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.