Member benefits

Mutual Benefit Association

James W.

James W. "Jim" Yates

Director of Life Insurance

James W. "Jim" Yates was elected director of life insurance by mail balloting of NALC members in 2018 and again in 2022. 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.

MBA Board of Trustees

Insurance and Annuity products of the MBA:

Short-term Disability and Hospital Confinement:

Whole Life:

Term Life:
  • MBA 10-Year Renewable & Convertible Term Life Insurance
  • MBA 5-Year Renewable & Convertible Term Life Insurance
  • MBA 20-Year Term Life Insurance
  • MBA Term to Age 65 Life Insurance
  • MBA Retirement Saving Plan
  • MBA Family Retirement Savings Plan
  • City Carrier Assistant Retirement Savings Plan
  • MBA Immediate Annuity
 Group Insurance available to branches:
  • Accidental Death
  • Supplemental Term Life 

For more detailed information about our products, brochures or applications please click here, or call the MBA office at 202-638-4318, or contact your branch president or branch MBA representative. 

Email us to receive applications and brochures

To receive MBA applications and brochures, email Please provide:

For policy services, please call our office at 202-638-4318.

More from your Mutual Benefit Association

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, 2024, through Dec. 31, 2024.

* Subject to minimum contractual guarantees