the Fraternal Benefit System
GBU is a unique
organization. Part of a long tradition of fraternal organizations across the
United States, GBU provides mutual welfare and fellowship to its
GBU performs charitable,
educational, and patriotic acts for the
benefit of its members, the German-American community, and mankind. As a
not-for-profit fraternal benefit
society, GBU also provides life insurance protection, retirement plans
(IRAs), and annuities to its members. During modern times, and times in the
past, when no one else would provide benefits for retirement, sickness, death or disability, GBU was always
there. The society is an active support system for the German-American
community. Established in 1892 by German-American businessmen, GBU differs from
commercial companies because GBU is:
- A fraternal organization which wants its
members to prosper.
- A not-for-profit society which returns profits
to the consumer who place funds with the GBU.
- A loyal group of citizens who actively
contribute to the society's moral growth.
- A not-for-profit society which adheres to the
regulations established by the federal and state regulatory agencies.
A society that is
committed to "Joining Hands To Touch Lives
The History or the Fraternal Benefit System
benefit system represents men and women from many nations, religions, and
vocations who share a common bond. It represents a charitable force of over
10 million members in nearly 200 not-for-profit societies in North America. GBU is proud to be part of a system which in 1993
alone contributed $202,109,194 in charitable causes.
In 2004, local lodges from
fraternal societies around the country devoted 91,494,933 volunteer hours,
valued in excess of $1.6 billion and expended $389,780,140 to support their
many volunteer, charitable, educational, patriotic and religious activities.
The local district
activities are designed to encourage members to participate and resolve
problems of mutual interest. These activities impress upon them the
responsibilities and rewards of service to each other and to the community.
The fraternal benefit system operates under a representative form of
government and is a positive, democratic force for peace.
Language Villages, based in Moorehead, Minnesota, provide an opportunity for
young members aged 7-18 to learn German culture during a one or two-week
summer visit. GBU sponsors members with grants to offset expenses.
Relief is available to
members affected by natural disasters. This program is funded from
contributions made by individual members, local districts, and grants by
Reporter, a bimonthly
publication, is mailed to every member family. It contains articles of
interest for adults and children.
Alert Benefit provides
members with a "Medic Alert Emblem," or a "MEDIC"
identification card or bracelet.
Contests, held for youth and
adult members, reward them for their poster, essay, art, and photo
Child Benefit is provided to
newborn children of the natural parent(s) holding a GBU policy. The
newborn will be covered by $1,000 term insurance from the eighth day
after birth to age 60 days. During this time a conversion to a permanent
insurance plan of up to $5,000 may be applied for without any evidence
Benefit assures financial aid
to member children under the age of 18 in the event of death of both
parents. GBU takes pride in this fraternal benefit as it provides an added measure of security for
the society’s young members. The amount of the monthly payments varies
according to the child's age.
Monthly Meetings of GBU
members at local districts offer social and educational activities
designed to strengthen the family and Promote community welfare.
Awards provide financial
assistance to qualified members interested in furthering their
Events Projects provide a
time when members can share a day together. GBU supports all activities
which its members can enioy.
Complete details about
membership benefits are available from a GBU producer near you, or you may
call the GBU home office at