Insurance SolutionsSafeguard your financial future.

Casera’s insurance options can help protect the important things in your life – your family, your home and your assets. Through our business partner – Credit Union Member Insurance Services (CUMIS) – you have access to a wide range of products, including home, travel, and loan and mortgage protection insurance.

Mortgage Life, Credit Disability, Credit Critical Illness and Credit Life Insurances are underwritten by CUMIS Life Insurance Company. Homeowners Insurance is underwritten by CUMIS General Insurance Company. Travel Insurance is underwritten by Co-operators General Insurance company. These services are provided to credit union members through the Credit Union Insurance Services Program.
 
CUMIS Life Insurance Company, part of The Co-operators group of companies.

Home Insurance Expand/Collapse

Protect your family’s most valuable investment.

It is always worthwhile to review annually and compare your home, condo or tenants insurance to ensure that you hold the right coverage. CUMIS home insurance safeguards you and your family from financial loss due to theft, unexpected events and personal liability. It also protects you against liability for accidental damage to someone else's property.

Benefits Features
Identity theft coverage All home, condo and tenants insurance plans include identity theft coverage at no extra cost.
Blanket limit Coverage This coverage enables you to replace your building, contents, outbuildings and pay for any additional living expenses under one blanket limit of $1 million. Depending on the value of your home, you may qualify for a higher blanket limit. Some conditions may apply; tenant policies are not eligible.
Extended water coverage Protect your home from water damage caused by drains and sanitary systems by adding this option to your property policy. Some conditions and exclusions may apply.
Flexible payment options With our flexible payment options you can decide how you would like to pay your premium – by mail, credit card or pre-authorized payment (weekly, bi-weekly, monthly, semi-annually or annually).
Other optional coverages Home-based businesses, personal umbrella liability and valuable personal articles riders for jewelry, furs and special collectables.
Through CUMIS, you will receive fast, convenient quotes in minutes right over the phone.
Call 1-800-810-2847 for a quote.
Fees
No service fees. Other costs may occur. Home insurance sold through CUMIS.

Group Mortgage Protection Expand/Collapse

Disability, critical illness and loss of employment insurance to protect your home.

Through Credit Union Member Insurance Services (CUMIS), Casera offers an array of insurance products tied to mortgages. At some point in your lives, you or your spouse may find yourselves unemployed, or critically ill or disabled by sickness or accident. Or you may pass away, leaving unexpected and overwhelming debt for your family.

Our suite of insurance products – disability, critical illness (cancer, heart attack, stroke, etc.) and loss of employment – are designed to pay your monthly payments in the event of sickness or accident. Or in the case of death, the balance of your outstanding mortgage.

Benefits Features
Security Safeguards your assets and your family. Underwritten by CUMIS Life Insurance Company.
Peace of mind Payment protection lets you enjoy your life, free from financial stress.
Sufficient coverage Maximum benefit is $2,500 per month.
Convenience Available to members aged 18 to 64.
Affordability Our member group rates are affordable. You will see the true value of insurance when you compare the cost of premiums against the cost of replacing what you may lose without the protection.

Fees
No service fees. Other costs may occur. Group mortgage protection insurance sold through CUMIS.

Credit Disability Insurance Expand/Collapse

Ensure that your loan payments are paid if you become disabled.

Credit disability insurance helps make loan payments on your behalf if you become totally and continuously disabled because of sickness or accident. Underwritten by Credit Union Member Insurance Services (CUMIS), the premiums are affordable and coverage is sufficient to suit your needs.

Benefits Features
Convenience Immediate enrolment; no medical required. Available to members aged 16 through 59. Joint coverage available.
    
Claim payments made directly to Casera.
Peace of mind Pays up to $1,000 monthly with a maximum benefit of $90,000.
Sufficient coverage Maximum term is 120 months.
Affordability Low premiums.
Simplicity Premiums included in your loan payment.
Security Safeguards your assets and your family. No effect on other insurance coverage. Underwritten by CUMIS Life Insurance Company.

Fees
No service fees. Other costs may occur. Credit disability insurance sold through CUMIS.

Credit Life Insurance Expand/Collapse

Protect your personal loan.

Through Credit Union Member Insurance Services (CUMIS), credit life insurance is designed to pay off your loan in the event of your untimely death or the death of a co-borrower.

Benefits Features
Convenience Immediate enrolment; no medical required. Available to members under the age of 70. Joint coverage available.
Peace of mind Maximum benefit is $90,000.
Sufficient coverage Maximum term is 120 months.
Simplicity Premiums included in your loan payment.
Security Safeguards your assets and your family. No effect on other insurance coverage. Underwritten by CUMIS Life Insurance Company.

Fees
No service fees. Other costs may occur. Credit life insurance sold through CUMIS.

Term Life Insurance Expand/Collapse

Convenient and affordable coverage.

Underwritten by Credit Union Member Insurance Services (CUMIS), term life insurance covers business loans, significant losses, or if a member wants to purchase life insurance. The plan is designed to pay a member’s beneficiary a specific amount of money in the event of the borrower’s untimely death.

Benefits Features
Convenience Available to members aged 15 through 65.
    
•  minimum purchase is $10,000
•  $10,000 to $500,000 – up to age 60
•  $25,000 to $250,000 – after age 60

No loan required to purchase a policy.The policy is effective immediately up to a limit of $99,999 with five medical questions answered, “NO.”
Flexibility Five to 10-year terms available.
Affordable Smoker and non-smoker rates are available.
Security Safeguards your assets and your family. No effect on other insurance coverage. Underwritten by CUMIS Life Insurance Company.

Fees
No service fees. Other costs may occur. Term life insurance sold through CUMIS.

Travel Insurance Expand/Collapse

Affordable coverage for short-term or long-term travel.

Casera offers short-term or long-term travel protection against unexpected medical emergencies through Credit Union Member Insurance Services (CUMIS). Excess out-of-province hospital and medical coverage, accidental death and dismemberment, loss, damage or theft of personal items, and trip interruption and cancellation insurance can become financially burdensome.

Benefits Features
Wide coverage Coverage for almost every type of traveller, in most any age group, to nearly any destination.
Flexibility Ideal for Canadians travelling outside Manitoba for:
•  summer holidays
•  weekend shopping trips
•  business excursions
•  winter vacations
Comprehensive protection • up to $5 million in comprehensive coverage for emergency hospital and doctor visits.
•  24/7 access to emergency assistance, anywhere in the world
•  a multi-lingual staff empowered to help you communicate with hospitals and doctors   
•  transportation back home when required by a medical emergency
•  emergency dental coverage
•  access to a medical professional who can coordinate your medical care

Fees
No service fees. Other costs may occur. Travel insurance sold through CUMIS.
 

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