Bereavement Benefit Programme

Sign Up Today!

You can opt- in to the programme by completing the form below or by visiting your local Credit Union Plus branch.

Once you join the Programme you remain a member of the Programme, which auto-renews on an annual basis, until such time as you choose to opt-out of the Programme, or you stop paying the premium or your membership of the Credit Union ceases.

In cases where members have a joint account only one member can enroll in the programme. However, the other member can open a separate account if they wish to opt in.

You can opt-out of the programme by completing and returning the cancellation form which can be found here or in any Credit Union Plus branch.

    • I confirm that I am a member of Credit Union Plus and am eligible to join the Bereavement Benefit Program;

    • I have read and understood the Key Facts and Programme Summary as provided to me;

    • I will undertake to have sufficient funds in my credit union DBI account to pay for the annual premium attaching to the provision of this insurance cover and my inclusion in the Programme;

    • I understand that this is a programme that will auto-renew on an annual basis, and the attaching premium will be deducted from my DBI account on this basis;

    • I am also aware that the benefits and cost of this programme may be varied annually but I will be informed of any such changes or updates through the Credit Union’s AGM Booklet and from the Credit Union’s website creditunionplus.ie;

    • Should I wish to opt-out or cancel my participation in the Bereavement Benefit Program, I will inform Credit Union Plus in writing of my decision;

    • My understanding is that my participation in the programme will automatically stop should I cease to be a member of Credit Union Plus or if there are insufficient funds in my DBI account to cover the annual cost of my premium;

    • I understand that the insurer can opt to terminate the Programme and cover at the end of each Programme period

    • The information I have provided to Credit Union Plus Ltd. is correct and I provide my consent to this information being shared with CMutual Services (Ireland) Limited and its insurers, for the purposes of my membership of the Bereavement Benefit Program.

    • I confirm that I authorise Credit Union Plus Ltd. 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 DBI account.

    • I understand that if there are insufficient funds in my DBI account to pay the annual premium, then my membership of the Bereavement Benefit Program will lapse.

    • I declare that I am in good health and have been in good health for 6 months prior to joining the programme, and I understand that if I was to die from a pre-existing medical condition within 6 months of purchasing this insurance that a claim may not be honoured.

    • I understand my rights and consent to my data being processed under GDPR legislation. (Click here for further information) 

    The Credit Union Plus Bereavement Benefit 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.creditunionplus.ie

The Programme is arranged, on behalf of Credit Union Plus by CMutual Services (Ireland) Limited which is regulated by the Central Bank of Ireland.

Credit Union Plus are the policy holder, this policy is underwritten by Utmost PanEurope dac, a designated activity company registered in Ireland (No 311420) and authorised by the Central Bank of Ireland with registered office at: Navan Business Park, Athlumney, Navan, Co. Meath.

For privacy terms please see Full Policy available from the Credit Union or at www.creditunionplus.ie

Credit Union Plus is regulated by the Central Bank of Ireland

    With Credit Union Plus, you can help your loved ones meet the cost of funeral expenses in the event of your untimely death

    Our new Bereavement Benefit Programme provides peace of mind for you and your family in one quick and easy step – with the certainty of a guaranteed payment of €6,000, no medical assessment and an affordable fee that suits your needs and expectations. The financial support provided by the Bereavement Benefit Programme can help reduce the additional burden of funeral expenses – to help your loved ones feel assured at a most difficult time

    How does it work?

    We’ve shopped around to get the best value programme on the market, and because we’re not-for-profit we’re offering extra peace of mind to our members at a fantastic price.

    • Pay €144 (*) once a year per member (This payment is collected hassle-free by Credit Union Plus, directly from your Death Benefit Indemnity (DBI) account each year)
    • To provide greater flexibility, the Bereavement Benefit Programme now has four sign-up dates throughout the year, with corresponding premium adjustments.  Further details outlined below.
    • €6,000 (*) is paid to your family or nominee in the event of your death.

    The best bits

    • Benefit fixed at €6,000 – regardless of savings (*)
    • Available to all members aged 70 and under
    • No Medical
    • Cost is only €144 per year – paid annually (*)
    • See table below for more details on initial sign up options:
    Sign-up Deduction Date Deduction Amount Date of Commencement
    December €144 January
    March €108 April
    June €72 July
    September €36 October
    Sign-up Deduction Date Deduction Amount Date of Commencement
    December €144 January
    Sign-up Deduction Date Deduction Amount Date of Commencement
    March €108 April
    Sign-up Deduction Date Deduction Amount Date of Commencement
    June €72 July
    Sign-up Deduction Date Deduction Amount Date of Commencement
    September €36 October

    Sign-Up Dates and related Premiums

    To provide greater flexibility, the Bereavement Benefit Programme now has four sign-up dates throughout the year, with corresponding premium adjustments.

     

    This structure ensures that new members only pay for the remaining months of the year when they join, making it more cost-effective.

    1. December Sign-Up:
    • Premium: €144 per year
    • Coverage Start: January
    • Next Payment: December of the following year – €144 to cover full following year.

     

    1. March Sign-Up:
    • Premium: €108 for 9 months inclusion in first year
    • Coverage Start: April
    • Next Payment: December of the same year – €144 to cover full following year.

     

    1. June Sign-Up:
    • Premium: €72 per year for 6 months inclusion in first year.
    • Coverage Start: July
    • Next Payment: December of the same year – €144 to cover full following year.

     

    1. September Sign-Up:
    • Premium: €36 per year for 6 months inclusion in first year.
    • Coverage Start: October
    • Next Payment: December of the same year – €144 to cover full following year.

    Important Information you need to know

    A pre-existing medical condition limitation applies to this programme, which means that cover is not provided if a member were to die from a pre-existing medical condition during the first six months of their membership of the programme.

    Terms & Conditions apply

    * Members must be aged 70 years or under to be eligible to join this scheme

* Figures quoted are correct as of today but subject to change in the future. Renewal of the Program for the following year is Not Guaranteed and is at the sole discretion of the Insurer.

* Warning! If your account has insufficient funds at date of premium deduction you will be removed from the programme with immediate effect. 
For full Terms & Conditions see the Key Facts and Programme Summary

    Added Value

    Our new Bereavement Benefit Programme is designed to compliment our Life Plus Savings Benefit – for example; upon the bereavement of an eligible member, both benefits will be paid and the combined benefit could result in a payment of up to €8,000* (that’s €6,000 for Bereavement Benefit and up to €2,000 for their Life Plus Savings Benefit) – and the Savings Benefit is FREE!

    * Life savings benefit is subject to the value of savings and your age at death.

    Don't take our Word for it. Hear what our Members have to say about the Program.

    See short Testimonial videos from our Members below

    Sharon Nelson

    Sharon Nelson shares her personal experience with the Bereavement Benefit Program following the passing of her mam, Rose. Sharon reflects on how the program eased the financial burden on her family and allowed them to focus on celebrating Rose’s life. She also shares why she and her family have since joined the program.

    Fitzsimons Funeral Directors Navan

    In this video, Padraig Fitzsimons of Fitzsimons Funeral Directors shares why he is a strong advocate for Credit Union Plus’s Bereavement Benefit Program. He explains how this program supports families during difficult times, offering peace of mind and financial reassurance when it’s needed most.

    Farrelly Funeral Directors

    Peadar Farrelly of Farrelly Funeral Directors explains how Credit Union Plus’s Bereavement Benefit Program helps families in their time of need. In this video, Peadar shares why he encourages families to consider this invaluable support.

    Pure Reflections

    Elizabeth Oaks of Pure Reflections highlights her support for the Bereavement Benefit Program in this heartfelt testimonial. Elizabeth discusses the importance of having a simple, supportive program that provides financial relief to families during emotional times.

    Annette Rogers

    In this testimonial, Annette Rogers talks about the peace of mind the Bereavement Benefit Program gives her. Annette explains how the program allows her to plan ahead for her funeral expenses and ensure her loved ones are supported without the stress of probate or financial worries.

    James Fox Funeral Directors Navan

    Jim Fox of James Fox Funeral Directors shares his thoughts on the importance of planning ahead with Credit Union Plus’s Bereavement Benefit Program. In this video, Jim explains how the program provides families with financial security and peace of mind, easing the burden during life’s most difficult moments.

    wpChatIcon
    wpChatIcon