Peace of Mind for You and Your Loved Ones
Safeguard your entire family with the Family Indemnity Plan (FIP). One affordable monthly premium covers up to six (6) family members with immediate funeral expense benefits and zero medical exams.
Comprehensive Funeral Protection
Designed to relieve the financial burden of funeral expenses during life’s most difficult moments.
Up to 6 Persons Covered
One single monthly premium protects the member, spouse, dependent children (ages 1–25), and parents or parents-in-law under age 76 at enrollment.
48-Hour Rapid Payout
Claims are processed and disbursed within 2 business days of submitting the death certificate and required paperwork, ensuring prompt cash availability.
Zero Medical Examination
No physical examinations, medical questionnaires, or doctor visits required to qualify. Acceptance is guaranteed for eligible credit union members.
Automated Deductions
Premiums are conveniently paid automatically via monthly salary deduction or direct account debit, ensuring continuous, uninterrupted coverage.
Choose the Right Plan for Your Family
Select from seven flexible tiers from Plan A to Plan G to match your budget and financial protection goals.
Who Can Be Enrolled?
Up to six (6) eligible family members can be enrolled under a single monthly premium plan.
The Credit Union Member
The primary policyholder must be an active credit union member under age 76 at the time of initial enrollment.
Spouse / Significant Other
Legal spouse or cohabitant partner residing with the member, enrolled prior to age 76.
Unmarried Dependent Children
Biological, legally adopted, or stepchildren between ages 1 and 25 (or disabled children of any age dependent on the member).
Parents & Parents-in-Law
Member’s biological/adoptive parents or parents-in-law enrolled prior to age 76.
Simple Enrollment & Rapid Payouts
How to enroll your family and file a claim when you need support the most.
Select Your Plan Tier
Choose from Plan A ($10k benefit) to Plan G ($100k benefit) based on your family coverage needs.
Submit Enrollment Form
Complete the FIP Enrollment Form with names, birth dates, and relationship proofs for all covered family members.
Activate Deductions
Premiums are scheduled automatically via payroll deduction or credit union account debit.
48-Hour Claim Settlement
Upon the passing of a covered loved one, submit the death certificate for direct payout within 2 business days.
Common Questions on FIP
Clear answers regarding enrollment criteria, upgrading plan tiers, and claims.
Are medical examinations required for enrollment?
No. There are absolutely no medical checkups, physical exams, or health questionnaires required. Acceptance is guaranteed for all eligible credit union members and their covered family members.
Can I upgrade to a higher benefit plan later?
Yes! Members can increase their coverage amount at any time by completing a plan amendment form. Note that a standard 6-month waiting period applies to the upgraded benefit difference (accidental death is covered immediately).
What documents are needed to file a claim?
To file a claim, submit: 1) Completed FIP Claim Form, 2) Official Certified Death Certificate, 3) Proof of relationship (Birth/Marriage Certificate), and 4) Valid Photo ID of the claimant.
Does coverage terminate when I retire?
No! FIP provides lifetime protection. As long as monthly premiums continue to be paid from your credit union deposit or bank account, coverage remains active for life.
Give Your Family the Gift of Lifelong Security
Download the official CUNA Family Indemnity Plan enrollment form or speak with a member services representative to enroll today.