Member benefits

Mutual Benefit Association

James W.

James W. "Jim" Yates

Director of Life Insurance

James W. "Jim" Yates was elected by mail ballot as director of the union’s Mutual Benefit Association (MBA). Full bio

U.S. Letter Carriers Mutual Benefit Association

100 Indiana Ave., N.W., Suite 510
Washington, DC 20001-2144

The United States Letter Carriers Mutual Benefit Association (MBA), founded in 1891, was created for the benefit of National Association of Letter Carriers members and their families. The MBA is the life insurance division of the NALC. Today, the MBA has more than $224 million of life insurance in force on its members.

Insurance plans offered by the MBA are designed to give NALC members and their families the best possible protection for the lowest cost. See MBA Membership Qualifications for details regarding eligibility for purchasing MBA products.

Covid-19 Operations

The United States Letter Carriers Mutual Benefit Association remains open during the Covid-19 outbreak.

We will continue to process all business functions during this time, however we are operating with a reduced staff in compliance with CDC guidelines. 

In order to process all claims in a timely manner, we will not be answering our phones on Mondays, Wednesdays, and Fridays.  The phone system will be open on Tuesdays and Thursdays during our normal business hours.

We appreciate your patience during this time and know that we are making every effort to service our members.

MBA Board of Trustees

Life insurance products from the MBA

The Mutual Benefit Association (MBA) is revising its life insurance products offered to letter carriers and their family members.

These revised products include:

For applications and brochures, click here, contact your branch president or branch MBA representative, or call the MBA office at 202-638-4318.

Interest rates for MBA products

Interest rates for Mutual Benefit Association products are set annually by the MBA Board of Trustees. These interest rates are in effect from Jan. 1, 2020, through Dec. 31, 2020.

* Subject to minimum contractual guarantees

More from your Mutual Benefit Association