GuideStone’s insurance products and services are designed with your ministry’s well-being in mind. From health plans to property and liability protection, our priority is always providing you with quality coverage with a ministry focus.

Insurance Products & Services

Whether you have a staff of 1 or 1,000 (or even more), we offer insurance solutions to empower your ministry and its people toward Christ-centered well-being. And we’ll fit in your ministry’s budget, too.

Health Plans

GuideStone Group Plans health coverage comes in a variety of plan types and designs so you can find the right one for your church, ministry or organization.

Property and Casualty

GuideStone brings you the specialized property and liability coverage your ministry needs. Our customizable options will help protect your ministry so you can focus on fulfilling your calling.

Other Insurance Products

While your GuideStone health plan is the foundation for a well-rounded employee benefits plan, you can strengthen your group coverage by providing extras.

Coverage that reflects your biblical values

At GuideStone®, our coverage options are designed exclusively for churches, ministries and other nonprofits. We share your faith and commitment to the sanctity of life, and it is our honor to serve organizations like yours who are making a Kingdom impact.

Read about our values

Plus, we work with top-tier carriers.

So in addition to helping steward ministry dollars, you will also get an organization that provides quality insurance


Gregg Farrell, Senior Pastor, Crossland Community Church, Bowling Green, Kentucky
When looking for a new provider, we needed to know that we had a breadth of offerings to choose from, rather than just one or two policies that were available to a group our size. Today, our employees are tickled to death with their new plans.”
Gregg Farrell, Senior Pastor, Crossland Community Church, Bowling Green, Kentucky

Gregg Farrell, Senior Pastor
Crossland Community Church, Bowling Green, Kentucky

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Frequently Asked Questions

What are the eligibility requirements for GuideStone Group Health Plans?

GuideStone Group Health Plans are available to evangelical churches, agencies, or institutions affiliated with, or sharing common religious bonds with, the Southern Baptist Convention. To qualify for GuideStone Group Plans:

  • Employers with two to four covered employees must contribute 100% of the employee-only cost of medical coverage.
  • Employers with five or more covered employees must contribute a minimum of 50% of the employee-only cost of medical coverage.

Employees may participate in a GuideStone group health plan if they work 20 or more hours per week and are paid, full-time employees of an eligible church, agency, or institution affiliated with, or sharing common religious bonds with, the Southern Baptist Convention.

What is the minimum group size required?

GuideStone offers group health plans for churches and ministries with two or more enrolled employees.

What is a church plan, and how does it benefit my ministry?

A church health plan is established and maintained by a church, a convention or an association of churches. GuideStone is a church health plan originally chartered by the Southern Baptist Convention that has expanded to offer coverage to the wider evangelical community.

Church plan benefits include:

  1. Church plans can be a lower-cost option.
  2. The plans provide smaller churches with access to group health coverage.
  3. They are created specifically for churches and ministries.
  4. Many church plans are self-funded, allowing groups to reap the benefits of self-funding without assuming the risks.
  5. Church plans have greater flexibility in calculating rates.
  6. These plans reflect biblical values regarding the sanctity of life.
  7. Church plans bring together benefits from several health care service vendors, including Blue Cross Blue Shield, Express Scripts® and Teladoc®, allowing them to offer the best of the best.
Can GuideStone Group Health Plans save me money?

In 2020, groups who chose GuideStone Group Health Plans saved up to 31%* on average. We can offer low rates because we are not-for-profit. Our plans are priced to break even, and our sole focus is serving you.

*When compared to Texas, Blue Cross Blue Shield PPO, small group community rated exchange products.

What types of health plans are available through GuideStone?

GuideStone offers more a variety of health plans designed to match your budget and health care needs. You can choose a comprehensive PPO plan, a consumer-driven plan — such as a high deductible health plan, a more budget-friendly protection plan, or an international plan for those serving outside the United States.

What is the network for GuideStone Group Health Plans?

GuideStone’s plans offer access to the Highmark Blue Cross Blue Shield network of providers, one of the country's largest. More than 96% of hospitals and 95% of doctors and specialists in the United States and its territories contract with BCBS. That’s more than any other carrier. This recognized industry leader provides network discounts of more than 50%, saving your covered employees and their covered dependents money when receiving care from in-network medical providers.

International medical plan participants have access to Cigna’s fully vetted, global directory of network providers.

Does the GuideStone health plan offer telemedicine?

GuideStone plans include access to Teladoc, the first and largest telehealth provider in the United States. Teladoc is available with no out-of-pocket co-pays for those on PPO plans and protection plans. Individuals in High Deductible Health Plans are covered at 100% for Teladoc services after reaching their yearly deductible.

How soon can I get illustrative (ballpark) quotes?

Illustrative (ballpark) quotes are generally returned to you within 48 business hours.

What are the real claims our churches are seeing?

Based on recent claims data, the top claims our churches are seeing include wind damage, fire damage, hail damage, water damage, workers’ compensation, sexual acts liability and non-owned/hired car liability. We want to help you be proactive in protecting your ministry and those you serve. Learn More.

Why did you choose Brotherhood Mutual?

We believe when the body of Christ is healthy, it’s free to transform the world — and we want to help guide and equip your ministry and its people to do just that. For more than 100 years, Brotherhood Mutual has been advancing the Kingdom by providing valuable property and liability insurance tailored specifically for churches and ministries. We’ve teamed up with Brotherhood Mutual to help you focus on what’s most important — fulfilling your calling in ministry. Learn More.

How does your policy cover special events and mission trips?

Separate policies can be purchased for both special events and mission trip coverage. When an accident occurs during church, school or camp activities, accident insurance plans will help by providing coverage for medical expenses associated with accidental injuries, with deductibles as low as $0. And regardless of where your mission takes you, travel insurance is essential. Brotherhood Mutual has allied with Fly For Good® to bring mission travelers the Faith Ventures® card, an affordable travel medical insurance option that comes with single- or multi-trip plans for foreign and domestic short-term mission travel.


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