Protect yourself from having to spend your savings, cash out your retirement plan, or reduce your family's standard of living in the event that you become disabled. With disability coverage, you’ll receive a benefit of up to $3,000 per month (to a maximum total benefit payable of $72,000), to apply to the outstanding balance of your insured mortgage for a maximum of 24 months (per claim). 

Members can enroll up to age 69 and coverage ceases at age 75. This product is designed to cover your insured monthly mortgage payment. The waiting period before your benefits become payable is 60 days.

*Must have 20 hours/week for two consecutive weeks prior to Requested Effective Date of insurance.

If you or someone you love is diagnosed with a life-threatening illness, you’ll have enough to worry about. Critical illness coverage relieves you of the stress of paying your mortgage, so you can focus on what really matters. It protects the outstanding balance of your insured mortgage, up to $1,000,000, for a maximum of 35 years, and pays the outstanding balance of your insured mortgage at the date of critical illness diagnosis, plus accrued and settlement interest. 

Members can enroll up to age 59 and coverage ceases at age 75. Additional health questions will be asked during the application process.

*Cumis will not pay a critical illness benefit for a diagnosis of cancer if you had any cancer at any time before the Effective Date of Insurance.

You and your family rely heavily on your monthly income. Loss of Employment Insurance protects you in the event that that income is lost. Receive a benefit of up to $3,000 per month (to a total maximum benefit payable of $27,000), to apply to the outstanding balance of your insured mortgage for a maximum of 9 months per claim. 

Members can enroll up to age 69 and coverage ceases at age 75. This product is designed to cover your insured monthly mortgage payment. The waiting period before your benefits become payable is 60 days.

If you become disabled unexpectedly, disability coverage can help. It covers three percent of the outstanding balance of your insured line of credit, up to a maximum of $3,000 per month, to a maximum of 60 months (or cumulative total benefit of $180,000). 

Members can enroll up to age 69 and coverage ceases at age 75.

*Must have 20 hours/week for two consecutive weeks prior to Requested Effective Date of insurance.

If you are diagnosed with cancer, or suffer a stroke or heart attack, Critical Illness Insurance will provide you with up to $1,000,000 of coverage to repay the balance of your outstanding insured debt plus accrued interest. 

Members can enroll up to age 59 and coverage ceases at age 75.

*Cumis will not pay a critical illness benefit for a diagnosis of cancer if you had any cancer at any time before the Effective Date of Insurance.

Disability coverage on your personal loan provides peace of mind in the event of an accident. If you become disabled, you’ll receive a monthly benefit of up to $1,500 for a maximum of 72 months to help cover the cost of your loan payment. 

Members can enroll up to age 69 and coverage ceases at age 75.

*Must have 20 hours/week for two consecutive weeks prior to Requested Effective Date of insurance.

If you’re diagnosed with cancer, or suffer a stroke or heart attack, Critical Illness Insurance will provide you with up to $90,000 of coverage for a maximum term of 15 years. 

Members can enroll up to age 59 and coverage ceases at age 75.

*Cumis will not pay a critical illness benefit for a diagnosis of cancer if you had any cancer at any time before the Effective Date of Insurance.