The Family Indemnity Shield
Grieving is hard. But the end of life should not mean the start of financial hardship. Designed to help you and your family with funeral costs and other immediate final expenses such as debt and medical expenses, the Family Indemnity Shield (FIS) from CUNA Caribbean Insurance ensures that your loved ones are cared for giving them peace of mind and financial security in a time of loss. Don’t leave your loved ones to bear the burden of high funeral costs and other end-of-life expenses in a time of mourning.
To get started, review the seven coverage options below, then call or WhatsApp us at (868) 385-1754.
What are the FIS Benefits?
- All-In-One Financial support that covers funeral costs and a range of final expenses your family may face.
- Accidental Death Benefit: Additional support in the event of an accident.
- Terminal Illness Benefit: Access benefits early if diagnosed with a qualifying illness.
- Lifetime coverage protection once you sign up before reaching age 75 (i.e. Policyowner, Spouse, Parents or Parents in Law)
- Optional Critical Illness coverage for extra security.
- Flexible plans to fit any budget, with benefits up to $100,000.
- No medical exam required to — hassle-free enrolment for ages 18-75.
Ask us how to access additional coverage to safeguard your finances as an FIS Policyowner in the event of a Critical Illness diagnosis.
Types of Expenses covered
- Funeral Costs
- Medical Bills left behind
- Debt eg. small loans
- Legal expenses eg. Cost to probate a will
- Transportation expenses
- Daily Expenses and so much more…
TIP: When determining which plan to select, consider the number of eligible family members you wish to cover and also the type of expenses they may face in a time of mourning. This is to ensure that you have sufficient coverage.
Who is Eligible for Coverage?
The FIS covers up to nine(9) persons for just one monthly payments. Whether you’re single, married or cohabitating, as the Policyowner, you have the option to add any combination of up to 8 eligible family members to your plan . These persons include:
- Your Marital Spouse or Cohabitant (Common Law) once enrolled before age 76.
- Parents* or Parents In-Law are eligible for lifetime Coverage once enrolled before age 76. However, only two Parents can be enrolled for the lifetime of the Policy.
- Unmarried Children (biological and non-biological) between the ages of 1 to 25. Married Children cease to be covered on the day that they marry.
- Permanently disabled Children can be covered for the duration of their lives once they are enrolled before age 26.
Note: Parents as used above refer to biological or stepparents or persons who had legal guardianship of you while you were a minor.
You must produce proof of any of the above relationships.
Download our FIS brochure to get the complete list of eligible family persons. Terms and Conditions apply.
Your Coverage Options
Select the plan that best fits your needs and your budget. One monthly payment covers up to nine (9) eligible family members.
| Plan options: | Monthly Premium | Individual Benefit |
| Plan A | $70.62 | $10,000 |
| Plan B | $105.93 | $15,000 |
| Plan C | $141.24 | $20,000 |
| Plan D | $211.86 | $30,000 |
| Plan E | $282.40 | $40,000 |
| Plan F | $459.03 | $65,000 |
| Plan G | $706.20 | $100,000 |
Download the FAMILY INDEMNITY SHIELD Brochure HERE.
Give yourself an extra layer of financial protection in the event of a critical illness diagnosis. Upgrade to the FAMILY INDEMNITY SHIELD – CRITICAL ILLNESS RIDER for Policyowners. Download the brochure HERE to learn more.
Ready to sign up? Download and save the form to your device to complete the Family Indemnity Shield Application Form.
When completed or if you need guidance to complete the form, call or send a WhatsApp message to (868) 385-1754. Our representative will guide you through your next steps.
