Ukrainian National Association, Inc.

A fraternal society that offers life insurance products

COVID-19: Coronavirus Update

As the COVID-19 pandemic continues to evolve, UNA remains focused on protecting the health and safety of our colleagues and those around us, as well as continuing to serve member policyholders, business partners, and other stakeholders. UNA is closely monitoring ongoing developments. UNA Office has activated our Business Continuity Plan, with employees working remotely beginning Monday, March 16, so that we can continue to serve the needs of our members without material disruption while keeping our office closed for the time being and, more importantly, our colleagues safe. We continue to monitor this evolving situation and will provide updates as appropriate.

You can continue to reach us during business hours 8AM-4PM EST at (800)-253 9862.

We will continue responding to all your business needs, processing claims, accepting applications, etc. We appreciate your cooperation and patience as we transition to this temporary work environment.

We care about the health of all of our members and colleagues. Please stay healthy and safe.

About the UNA

The UNA is a modern fraternal society that offers a competitive range of high-quality insurance products that provide financial stability and peace of mind.

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Our Products

The UNA provides high-quality, secure products that are the fundamentals of life insurance and annuities. In addition, these products are easily understood and are offered at competitive rates.

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Our Benefits

When you purchase a policy from the UNA, you become a member of the UNA fraternal family. In addition to having access to financial offerings, you may also take advantage of the benefits.

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Net Surplus Growth

As of December 31, 2017, UNA’s surplus increased in four years by $6,589,000, a positive performance, despite the difficult market conditions. The Current Surplus is $10,628,000.




Our Publications

The UNA publishes two newspapers, Svoboda (in Ukrainian) and The Ukrainian Weekly (in English), as well as the UNA Almanacs. In the past the UNA also published the children’s magazine Veselka and many books. The digital archives of the publications can be found on the websites of the newspapers and are free to public.

Svoboda, founded in 1893, is the world’s oldest continuously published Ukrainian newspaper. It is published on a weekly basis in both print and digital formats.

visit svoboda’s website




The Ukrainian Weekly   was founded in 1933 to serve the Ukrainian American community and to function as a vehicle for communication of that community’s concerns to the general public in the United States.

visit The website




Alnmanacs are published annually and contain valuable information about American, Canadian and Ukrainian heritages and cultures. Issues of the Almanacs are digitized and available on Svoboda’s website.

visit webpage






The UNA operates in 15 states and Canada



Guide to Life

The UNA offers a competitive range of high-quality insurance products that provide financial peace of mind.

UNA Life Insurance and Endowments

Permanent insurance

Permanent insurance provides protection from the moment the contract goes into effect until the insured dies. During the lifetime of the insured there is an accumulation of cash value that can be accessed and used for various benefits.

Term Insurance

Term Life Insurance provides a solution for your short-term life
insurance needs, protecting you and your family for a specific period.
Payout only within term of policy.


Savings and insurance: two products for the price of one.
Endowments help you save money for important moments in your
life such as your child’s or grandchild’s higher education or marriage,
or for unforeseen future expenses. At the same time, the endowment
serves as a life insurance policy until the date of maturity.

Life paid-up at age 100
  • Issued to persons between the ages of 0-95
  • Minimum face amount is $15,000
  • Issued to persons between the ages of 0-95
  • Premiums are payable to age 100 of insured
  • Upon death of insured, the beneficiary receives the proceeds tax free
  • Lowest premiums for permanent insurance
Life paid-up at age 65
  • Issued to persons between the ages of 0-60
  • Minimum face amount is $25,000
  • Premiums are payable to the policy anniversary date nearest the insured’s 65th birthday
  • After this date, no more premium payments are due, but the cash value of the policy continues
    to accumulate
  • Upon death of insured, the beneficiary receives the proceeds tax free
20-Payment Whole Life (20-Pay)
  • Issued to persons between the ages of 0-80
  • Minimum face amount is $15,000
  • After 20 annual premium payments policy is paid up.
Single Premium Whole Life
  • Issued to persons between the ages of 0-95
  • Minimum premium is $300
  • One time policy fee of $25
  • One payment insures the person for life
  • Upon death of the insured, the beneficiary receives the proceeds tax free
20-Year Term Life Insurance
  • Minimum face amount is $20,000
  • Issue age 16-80
  • Premium rates will not go up. Payable for 20 years
10-Year Term Life Insurance
  • Minimum face amount is $20,000
  • Issue age 16-85
  • In Maryland, the issue ages are 46-85
  • Premium rates will not go up
  • Payable for 10 years
5-Year Term Plan
  • Minimum face amount is $20,000
  • Issue age 16-90
  • Not available in Maryland
  • Premium rates are level and payable for 5 years
Endowment at Age 18
  •  Issued to persons between the ages of 0-10
  • Minimum face amount is $5,000
  • Premium payable until age 18
  • Full face amount paid at death or on maturity date at age 18
  • Life insurance plan and systematic savings combined
20-Year Endowment
  • Issued to persons between the ages of 0-80
  • For ages 0-60: minimum face amount is $5,000
  • For ages 61-80: premium of $200 or more is required
  • Premiums are payable for 20 years
  • Full face amount paid at death or on maturity date at the end of 20th year
  • Life insurance plan and systematic savings combined
  • IRS: interest is taxable
Single Premium Fixed Immediate Annuity

A Single Premium Fixed Immediate Annuity is purchased with a single premium deposit (principal). The purpose of a Single Premium Fixed Immediate Annuity is to convert the single deposit into immediate income payments that begin approximately one month after the annuity is purchased.

The Single Premium Fixed Immediate Annuity offers several options for how
income can be paid out:

  • income is guaranteed and paid over the lifetime of the annuitant
  • income is paid for a specified number of years
  • income is guaranteed not only during the lifetime of the annuitant, but for the lifetime of surviving spouse and/or partner
Individual Retirement Accounts (IRAs)

Tax-advantaged retirement accounts established by individuals who contribute a portion of their compensation towards savings for retirement.

Traditional IRA:

  • Contributions may be tax-deductible, depending on income level
  • Interest on principal grows tax-deferred
  • Withdrawals taxed as ordinary income
  • Mandatory distribution at age 70½

Roth IRA:

  • Contributions are not tax-deductible
  • Interest earnings and principal growth and withdrawals are tax-free
  • No mandatory distribution age
  • Income restrictions apply


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Our Blog

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Serving our community since 1894