State Department Federal Credit Union and Clements Worldwide Launch Card-Based, Guaranteed-Issue Term Life Insurance

Share Article

Easy to use, portable plan complements existing coverage.

News Image
Clements worked closely with SDFCU to develop a program that has the ease of use and fully portable coverage that the card-based term life program provides.

State Department Federal Credit Union (SDFCU) joined with Clements Worldwide to launch a credit card-based term life insurance program – the first of its kind -- to meet the needs of State employees in the United States as well those serving abroad.

A result of collaboration between Clements Worldwide and SDFCU, the innovative program is available through SDFCU’s debit and credit cards, and enables its members to easily obtain guaranteed life insurance coverage valid around the globe, including high-risk locations. Uniquely, the initiative offers protection in the event of war, terrorism and political violence and can offer a stopgap to supplement other plans.

Clements Worldwide, a leading provider of international insurance solutions, leveraged its extensive global underwriter network to custom-design the life insurance product, thereby eliminating a complex and often burdensome application process.

Accordingly, SDFCU members can now conveniently obtain competitively-priced, comprehensive term life insurance created to meet their specific needs by simply visiting the program’s dedicated website at

“The men and women who serve in our country’s diplomatic corps are often excluded from participation in life insurance plans because they frequently travel to or reside in areas impacted by conflict, disaster or disease,” said Jan Roche, president and CEO of SDFCU. “In Clements, we found a partner with the experience, trust and resources to create a viable product.”

“Clements Worldwide has worked with the U.S. State Department since our inception,” said Chris Beck, president of Clements Worldwide. “It was only a natural progression to someday work with SDFCU. Its members needed life insurance services that didn’t have the same rigorous requirements as others that could cover them worldwide. Clements worked closely with SDFCU to develop a program that has the ease of use and fully portable coverage that the card-based term life program provides.”

About State Department Credit Union
Established in 1935, member-owned State Department Federal Credit Union (SDFCU) offers a full range of financial services to address the diverse needs of its members. With $1.3 billion in assets, SDFCU is proud to serve over 66,000 members worldwide. To learn more, visit

About Clements Worldwide
Clements Worldwide is a leading insurance provider for expatriates and international organizations. Founded in 1947, Clements offers international car, property, term life, health, specialty and high-risk insurance in over 170 countries. With offices in Washington, D.C., London, and Dubai, Clements delivers comprehensive coverage, superior customer service, and unparalleled claims response. To learn more and quote online, visit

Share article on social media or email:

View article via:

Pdf Print

Contact Author

Nicole Payne