Don’t Lose Your Coverage When You Retire or Change Jobs
Get a Free Union-Specific Benefit Review to uncover gaps and lock in permanent protection that stays with you, not your employer.
Welcome To Black River Consulting
Black River Consulting exists to protect union members and working families from losing coverage when they retire or change jobs. Too many people believe their employer benefits will last, until they don’t.
We act as consultants, not agents. Our job is to review what you currently have, identify gaps, and help you secure permanent, portable protection that stays with you for life.
No pressure. No confusion. Just clear guidance and long-term security for the families who’ve worked hard to build it.
Our Service
Permanent Protection. Real Security. No Employer Dependency.
Solutions built specifically for union members who want coverage that lasts beyond the job.
Permanent Life Insurance
Whole Life and Final Expense coverage designed to stay with you for life. Fixed premiums, guaranteed protection, and policies you own not your employer.
Income Protection
Supplemental accident and sickness coverage that helps protect your paycheck when you’re unable to work. Because bills don’t stop when income does.
Legacy Planning for Union Families
Structured protection strategies that ensure debts are covered, final expenses are handled, and your family receives the financial support you intended.
Why Choose Black River Consulting
Work with a team that advocates for union members, identifies benefit gaps, and secures protection you truly own.
Union-Focused Strategy
Transparent Recommendations
No Employer Dependency
Portable, Permanent Solutions
Education First, Policy Second
Getting Covered Is Simple
Follow these quick steps to secure reliable protection for you and your family.
Schedule Your Free Union Benefit Review
We analyze your current coverage.
Identify Your Coverage Gaps
We show you where employer-based protection ends.
Lock In Permanent Protection
You secure portable coverage that stays with you for life.
Annual Review & Support
We stay involved, not just at signup.
Trusted by Union Members Who Wanted Real Clarity
See how working families secured permanent protection that doesn’t disappear at retirement.
What Union Members Need to Know
Answers to the most common questions about employer coverage, portability, and permanent protection.
Isn’t my union life insurance enough?
Most employer or union-provided plans reduce or expire at retirement. We review yours to confirm.
Is this the same as buying life insurance through work?
No. We help you secure permanent, portable coverage that belongs to you.
Is the Benefit Review really free?
Yes. No obligation.
Do I have to switch policies?
Not necessarily. If you’re fully covered, we’ll tell you.
