Member Service Frequently Asked Questions

Every day, wfla’s Member Service Department answers numerous questions from members about Life Insurance and Annuity certificates. While some of the questions faqwarrant a phone call, others can be answered simply by referencing the FAQ link on our website at

Below are the top 5 questions asked to Member Service Representatives:

 Q: How do I change my address?
A: To update your address you can complete a Certificate Service Request form, mail us a letter with your updated information, or complete the address change form that comes with your premium notice.

Q: Did you receive my payment?
A: You can view your Paid To date by accessing your account from the wfla website. Do this by logging in from the Member Access link. You can also check your bank statement.

Q: What is the current interest rate on my Annuity?
A: You can view your current interest rate by accessing your account from the wfla website.  Do this by logging in from the Member Access link.

 Q: Why did I receive an Annuity Reminder Notice?
A: Annuity Reminder Notices are mailed quarterly, semi-annually, or annually, depending on the billing mode listed on your annuity.  This notice is just a reminder that you can put additional money into your annuity and is an optional payment.

The Minimum Payment is the smallest amount that can be paid in at any one time.  The Elected Payment is the amount you chose to pay regularly at the time of original application.  The Additional Payment is any amount over the elected payment that you wish to add to your annuity.

Q: What happens if I surrender my certificate?
A: When you cancel the certificate and its coverage and benefits, the surrender value (for those contracts that have value) will be paid to the owner.  There are many effects of a complete surrender. These include:

  • Loss of Western Fraternal Life Association membership
  • Loss of Fraternal Benefits
  • Loss of insurance coverage
  • Replacement with new insurance may cause new contestable and suicide periods to start
  • Possible tax consequences
  • Surrender charges, if applicable to the contract

We strongly recommend you review your life or annuity certificate for more detailed information.

To see even more frequently asked questions and answers, visit and click on the FAQ link. And as always, wfla’s Member Service Representatives are happy to assist you. Feel free to call us toll free at 877-935-2467 with questions.