DBI – Capital Credit Union

Members Death Benefit Indemnity Programme

Providing peace of mind for you and your loved ones.

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How does it work?

Cost

The premium is €96 per year and collected directly from your share account by Capital Credit Union

Benefit

A lump sum of €3,500 is paid towards additional support for any bereavement costs

Who Can Apply

Available to all members of Capital Credit Union AND are aged between 16 and 70 years old, inclusive.

When

Apply anytime throughout the year, see Terms & Conditions. More information on Key Facts Sheet

How Does It Work?

Despite our best plans, we don’t always get time to prepare for the unexpected. Life is fragile. Capital Credit Union’s Member Death Benefit Indemnity Programme can help your loved ones with the financial expenses in the event of your death.

The main purpose of Member Death Benefit Indemnity (MDBI) is to provide basic life cover to credit union members at an affordable price. It is an additional service designed to lighten the financial burden of bereavement.

What are the benefits?

A sum of €3,500 will be paid to provide additional support for any bereavement costs. Payment will normally be made directly to the Funeral Undertaker or to the person who can provide evidence that they have paid the funeral expenses.

How much does it cost?

The cost is €96 per annum (inclusive of our admin fee), a small price to pay to give you and your loved ones added peace of mind. The cost is charged on a pro- rata basis if you enrol mid-year.

Who is eligible to join the Programme?

You are eligible to join the Programme if you:

Are aged between 16 and 70 years old, inclusive;
Continue to be a member of Capital Credit Union;
Are, or were, covered by the Credit Union’s Life Savings Indemnity Programme and opted to join this Programme prior to one of the pre-agreed enrolment periods.

How can I apply?

- Call us on (01) 299 0400
- Visit any of our branches
- Fill out the form below

Read Important Information Section

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- I wish to confirm that the information I have provided to Capital Credit Union is correct and I provide my consent to this information being shared with CMutual and its insurers, for the purposes of my membership of the Member Death Benefit Indemnity Programme, as outlined in the Key Facts & Programme Summary sheet – MDBI 24.04.01
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- I confirm that I authorise Capital Credit Union to deduct the cost of my cover in the Programme (the premium), which I acknowledge may be reviewed and/or changed annually, from my credit union share account. I understand that if there are insufficient funds in my account to pay the annual premium, then my membership of the Member Death Benefit Indemnity Programme will lapse.
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- I have read, understood and agree to be bound by the Important Information Section and by the Terms & Conditions

Important Information

Pre-existing medical conditions covered after 6 months* Guaranteed acceptance WITHOUT medical* *Terms & Conditions Apply

Capital Credit Union’s Member Death Benefit Indemnity Programme is a group policy of the Credit Union and open to participation by members, subject to eligibility criteria outlined in the Key Facts and Programme Summary available from the credit union or at www.capitalcu.ie

This policy is arranged on behalf of Capital Credit Union by CMutual Services (Ireland) Limited which is regulated by the Central Bank of Ireland.

The policy is written by Utmost PanEurope dac which is a designated activity company registered in Ireland (No 311420) and is authorised by the Central Bank of Ireland.

The Program may be renewed by the Insurer if in their opinion the Program is sustainable for the following year. The Insurer’s annual review of the program occurs in October.

Renewal of the Program for the following year is Not Guaranteed and is at the sole discretion of the Insurer.