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Members Death Benefit Indemnity Programme

Providing peace of mind for you and your loved ones.

How does it work?


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


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.


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?

Read Important Information Section


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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

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.