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What is the Mutual Benefit Association?

T he U.S. Letter Carriers Mutual Benefit Association (MBA) was formed by the NALC in 1892 to provide the membership with benefits available through the combined strength of all NALC members. Today, that membership strength is some 280,000 men and women. Because of our members’ support, the MBA has been able to assemble a comprehensive insurance package that offers to NALC members life insurance, hospital confinement insurance and deferred annuity products.

The MBA portfolio of products includes:

  • Retirement Savings Plan—An annuity product to supplement retirement income. Available as a traditional IRA, Roth IRA, immediate or non-qualified deferred annuity.

  • CCA Retirement Savings Plan – An opportunity to start saving for retirement before becoming career.

  • Hospital Plus—A hospital confinement policy.

  • MBA Life Paid Up at Age 65—Whole-life insurance policy paid up at age 65.

  • MBA Life Paid Up at Age 90—Whole-life insurance policy paid up at age 90.

  • MBA 20 Pay Life Policy—20-year premium payment whole-life insurance.

  • Independence—One-time premium payment wholelife insurance.

  • MBA 10 Year Renewable and Convertible Term Life— Term life insurance.

For more information on the MBA plans or an application, call the MBA toll-free at 800-424-5184 Tuesdays and Thursdays, 8 a.m. to 3:30 p.m. ET, or call 202-638-4318, Monday through Friday, 8 a.m. to 3:30 p.m. ET. You may also get information about the MBA and our products by going to

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