Discover the difference
with home and automobile group insurance.
Are you getting the coverage and price you deserve
on your home and auto insurance? Take advantage of The Fire Department
Employees Credit Union member benefit and obtain a no-obligation
quotation on your car, home, condo, tenants, cottage, watercraft,
snowmobile or trailer insurance.
The Fire Department Employees Credit Union group insurance program
offers you quality coverage, fast and convenient service and takes
only 5 minutes to obtain a quote! Combine your home and auto policies
to save even more.
Why choose The Fire Department Employees
Credit Union’s group insurance program?
In addition to preferred group rates,
members of The Fire Department Employees Credit Union also have
access to the following benefits and services that make this program
even better.
Group buying power with a wide range of additional discounts:
- No interest
or service fees on the monthly pre-authorized debit payment
plan.
- Five different payment
options.
- Extended service
hours from 8 a.m. to 8 p.m., Monday to Friday.
- Satellite Road Assist
– emergency towing and much more for your auto.
- Six/Nine
Star Protector - guarantees no rate changes in the event of
an at-fault loss.
- One-stop automobile
Claims Appraisal and Repair service.
- 24-hour Emergency
Claims Service anywhere in Canada or the USA.
- Halo – free
& unlimited telephone assistance program for legal matters
& more.
- Claims Satisfaction
Guaranteed on all property policies or premium refunded.
Call us today at 1-877-787-7022 for a free, no-obligation
quote! Or enter online to obtain a quote 24/7 at www.avivatraders.com
Travel
Insurance
Take the Worry out of Traveling
- Exceptional coverage, including pre-existing
conditions
- Travel insurance for you or your visitors
arriving in Canada
- CUIS Travel Insurance offers the flexible
plans and comprehensive coverage that will ensure you're protected
the right way
- Unique coverage rated specifically
for the area where you plan to travel --- you pay according
to your destination whether you're traveling on business, for
pleasure or to attend school
- CUIS provides immediate coverage,
simply and conveniently --- either pick up an application at
the Credit Union or call us to have one mailed
- Call the Credit Union or CUIS' toll-free
number 1-877-885-2847 to purchase by phone
- Competitive rates to the USA or other
destinations are offered on a per trip or annual multi-trip
basis
- No more worrying about not having
coverage for extended winter stays in warmer climates or hopping
across the border for the day
- Details of all plans are available
at the Credit Union. Or CLICK
HERE to have a pamphlet and/or application sent to you ---
and have a great vacation!
Term Life
Insurance
- A life insurance program with
maximum benefit and minimum cost
- Pay low, affordable monthly payments, depending
on your age and whether you smoke
- Choose a $10,000 to $500,000 policy with up to
$2,000,000 available upon request
- On site issuance up to $99,999
- Maximum age 65 years; coverage terminates
on the anniversary date after the 70th birthday
Mortgage Life Insurance
- Provides peace of mind knowing your
mortgage will be repaid in the event of death
- Premiums quoted at time of application
- In the event of death, the outstanding
balance of the insured mortgage at the date of death, plus up
to 6 months accrued interest, plus 90 day settlement interest
can be paid
- Underwritten by Cumis Life Insurance
Company, an established insurance company
- Joint coverage available
- Insurable maximum is $500,000
- Premiums adjusted downward when additional
payments of $5,000 or more have been paid against your mortgage,
saving you money as you pay off your mortgage
- Interim coverage available - immediate
coverage to offset contractual liability with vendor
- No underwriting - on site issuance
if under $250,000 and in good health - saves you time and money
- Protect your family
and assets - buy Group Mortgage Insurance when you set up your
mortgage
Personal
Loan - Life and Sickness & Accident Insurance
Personal Loan Life, Sickness and Accident
insurance programs insure personal loans with a fixed term of
repayment. The single premium for the insurance
is paid at the time the loan is approved.
Life insurance coverage on your loan
pays off your outstanding insured loan should you die which helps
reduce the financial burden on your family during difficult time.
Sickness and Accident insurance makes
your insured monthly loan payment while you are sick or injured.
With sickness and accident insurance coverage, there is no need
to worry about where the money for your loan will come from.
| Personal
Loans - Life insurance at a glance: |
| • |
Maximum issue age is 69 and coverage ceases
at age 70 |
| • |
Insurance benefit is equal to outstanding insured loan balance
at date of
death plus up to 6 months’ accrued interest and up to
90 days settlement interest |
| • |
Pays off your outstanding insured loan in the event of death |
| Personal
Loans - Sickness & Accident Insurance at a glance: |
| • |
Maximum issue age is 59 and coverage ceases
at age 65 |
| • |
Makes the insured loan payment |
| • |
30 Day Waiting Period |
Line
of Credit
Many Credit Union borrowers enjoy
the flexibility of a line of credit. With line of credit insurance,
you have the coverage while you have the debt. If there is no
balance, no premium is charged. Once the line of credit is reactivated,
coverage continues.
Life insurance coverage pays a benefit
based on the insured outstanding balance and any other life insurance
you have will go to your survivors, rather than being used to
repay the loan.
| Line
of Credit Loans - Life insurance at a glance: |
| • |
Insurance is available on loans up to $500,000
and under age 65 |
| • |
For ages 65 – 69, coverage is available on loans up
to $100,000 |
| • |
Coverage ceases at age 70 |
Group
Mortgage Protection - Life, Critical Illness, Sickness & Accident
and Loss of Employment Insurance
Life insurance coverage pays the outstanding
insured amount in the event of your death. It frees your family
from mortgage payments, which can save them from years of debt
and financial stress. With life insurance on your mortgage, your
family’s biggest asset is turned into its strongest asset.
Critical Illness insurance pays the outstanding
insured amount if you are diagnosed with cancer; suffer a heart
attack or stroke. Without coverage, a serious illness could mean
using your savings for mortgage payments.
Sickness and Accident insurance pays
your insured monthly mortgage payment for up to two years. With
protection, you can feel confident that years of saving and building
wealth are not lost during a few short months of a sickness or
accident.
Loss of Employment insurance can fill
the gap between unemployment insurance and your previous income
and keep your savings from being lost to mortgage payments. These
payments are tax-free. It’s a sensible choice for the uncertainties
of today’s workplace.
| Group
Mortgage Protection – Critical Illness insurance at
a glance: |
| • |
Maximum coverage of $500,000 |
| • |
Maximum period of coverage is 35 years |
| • |
Maximum issue age of 55 |
| • |
Coverage ceases at age 70 |
| Group
Mortgage Protection – Sickness & Accident insurance
at a glance: |
| • |
Maximum monthly benefit of $2,500 |
| • |
Maximum period of coverage is 24 months per occurrence |
| • |
Maximum issue age of 64 |
| • |
Coverage ceases at age 66 |
| • |
Waiting period (before benefits become payable) is 60 day
non-retroactive |
| Group
Mortgage Protection – Loss of Employment insurance at
a glance: |
| • |
Maximum monthly benefit of $2,500 |
| • |
Maximum period of coverage is 9 months per occurrence |
| • |
Maximum issue age of 64 |
| • |
Coverage ceases at age 66 |
| • |
Waiting period (before benefits become payable) is 60 day
non-retroactive |
These are contract highlights only. For complete details of the
contract provisions please refer to the master group policy or
certificate of insurance at your Credit Union.
|
