About Us

Our Mission:

To help strengthen Cultural Associations by providing Quality Group Term Life Insurance Plans and Benefits to serve cultural communities


Cultural communities are so much more than mere social clubs. True commitment to each other, physician as well as to the needs of those back home, is at the very heart and soul of a strong cultural association. Communities that do all they can to help protect the welfare of their members are likely to grow in strength and numbers.

Cultural Group Benefits Today

Cultural Group Benefits strives to be the Insurance provider of choice for Cultural Group Associations throughout the United States.

Cultural Group Associations are legally organized non-profit associations that share a common cultural heritage, ancestry, history, homeland, language (dialect) or even ideology. Cultural Groups have long provided various means of formal and informal support to their members who are building their lives in the United States, while trying to maintain and educate future generations on the coveted traditions from their homelands.

Our mission at Cultural Group Benefits is to help strengthen Cultural Associations by providing Quality Life Insurance Programs and Benefits to serve the Cultural Communities. Today we are honored to work with over 200 Cultural Group Associations, whose members have their heritage from over a dozen different countries.

The core of our benefits begins with Group Life Insurance. In most societies, honoring cultural traditions at the time of death is very meaningful. Cultural Group Benefits’ Group Life Insurance plan has been designed specifically for the unique needs of Cultural Associations. No longer do cultural communities need to depend on contributions to honor the life of their beloved brothers or sisters. By formally joining your Cultural Group Association, which has a group life policy with Cultural Group Benefits, you are eligible to join the Group Insurance Plan. Members join their cultural associations for a variety of reasons, and most groups have several goals. This plan gives members one more solid reason for joining or continuing membership.

Other benefits include International Travel Medical Insurance, Pre-Paid Legal Plans, and Identity Theft Protection plans. Our list of benefits is growing. We welcome your feedback on how we can continue to provide you services in the future.

Formed in 2000, we are a socially responsible organization with core values of honesty, equal opportunity, and transparence.

Cultural Group Benefits History

Cultural Group Benefits Company was founded in January 2000 by Sam Ndely, originally of Cameroon, and Bob Chirpich of St. Paul, Minnesota. Together they have over 50 years of experience serving the insurance needs of their clients. Creating an organization dedicated to the insurance needs of cultural associations grew out of their awareness of the traditions of support and caring that is an integral part of cultural associations.

Strengthen and Help Protect Your Communities with Group Life Insurance

Cultural Group Benefits’ original product is still the heart of our company

Cultural associations throughout the United States can now provide guaranteed issue life insurance for the final expense funds desired at the passing of a member. Group life insurance that is there at the time of need is one more way to help a community achieve solidarity and a highly energized membership.

The Life Insurance Plan is guaranteed issue for all current members who apply for coverage on the original Cultural Association issue date. Members who might have heart disease, cancer, high cholesterol, overweight conditions or other health problems all will be covered. This group life insurance plan was designed specifically and only for cultural communities.

Frequently Asked Questions

Is any Cultural Group Association eligible for these benefits?

All Cultural Group Associations, who are legally registered non-profit associations, are eligible to participate in Cultural Group Benefit Programs. It doesn’t matter where you are located in the United States, or how long you have been a Cultural Association.

How does an informal Cultural Group become a legally registered non-profit association in the United States?

If your Cultural Association is loosely organized as an informal organization, and you would like to become a legally registered non-profit association, then you should contact the Secretary of State’s office in your state, and ask for the paperwork to become a 501(c)(3) non-profit organization.

How does Cultural Group Benefits support the cultural community?

Cultural Group Benefits uniquely understand the role of cultural communities. Cultural Group Benefits founder, Sam Ndely, came to the United States from Cameroon, and Sam has always participated in his own cultural association. The support system that exists within cultural groups is something that has always been very meaningful to Sam. His dedication to his own cultural association, and his never ending quest to provide meaningful support to his fellow brothers and sisters, is the driving force behind our company. In honor of this, Cultural Group Benefits is starting its own scholarship fund in 2015 to assist young people who are members of their Cultural Group Associations to pursue higher education.

Who is LeClair Group, and what role do they play?

LeClair Group is the third party administrator who processes the billing for the Cultural Group Benefit Group Life program. They are located in Minnesota, and have a long standing solid relationship with the founders of Cultural Group Benefits.

Do I need to be a U.S. Citizen to participate in the Cultural Group Benefits programs?

Whether or not you are a US citizen or permanent resident matters only for certain programs that we offer.

    • For example, anyone can participate in the International Medical Plans. This includes US citizens traveling abroad, or people from other countries traveling to the United States. All you need is a valid passport from any country.
      • For the Group Life Insurance program, all members must be US citizens or permanent residents with a social security number.

Will Cultural Group Benefits come and participate at our annual conference?

Cultural Group Benefits wants to support as many cultural conferences and festivals as possible. Please email us at info@culturalbenefits.com to let us know as early as possible the dates for your key events.

Does Cultural Group Benefits operate throughout the United States?

Cultural Group Benefits is headquartered in Minnesota, and operates in most of the 50 states.  For up to-date information please email or call to find out if your state is approved to have coverage. Phone (651)287-3248 or e-mail info@culturalgroupbenefits.com