Credit and Mortgage Protection

Credit and Mortgage Protection includes the following:

• Loans
• Lines of credit
• Credit card balance protection
• Mortgages
• Members term life

Please click here for claims forms.

Please click here for Credit Union claims forms.

Life Claims

For all Life claims, please contact your credit union to help you begin the process.

Before you call, you will need to have the following information ready:

• Full name of insured person
• Certificate number or enrollment number
• Loan account number
• Funeral Director’s Death Certificate or a Provincial Death Certificate

Critical Illness Claims

For all Critical Illness claims please contact your credit union to help you begin the process.

Before you call, you will need to have the following information ready:

• Certificate number or enrollment number
• Loan account number
• Date of diagnosis

Disability Claims

To submit a Disability claim, please contact the CUMIS Life Claims Centre at 1-800-263-9120.

The initial call will take approximately 20 to 25 minutes to complete.

Before you contact us, please review the Disability Claims checklist below and ensure that you have the requested information available prior to calling:

• Name and address of your physician(s)
• Name and address employer
• Medications and dosages 

Loss of Employment Claims

To submit a Loss of Employment claim please contact the CUMIS Life Claims Centre at 1-800-263-9120.

The initial call will take approximately 10 minutes to complete. Before you contact us please review the Loss of Employment claims checklist and ensure that you have the requested information available prior to calling.

• Name  and address of  employer
• A copy of your record of employment
• Copy of Employment Insurance (EI) approval
• Copies of EI statements or copies of bank statements showing EI deposits or copies of Service Canada electronic confirmations

If you have any questions or need to make a disability or loss of employment claim, please contact us:

Phone: 1.800.263.9120

Fax: 1.800.897.7065

Mail:

Claims Centre
CUMIS Life Insurance Company
P.O. Box 5065
151 North Service Road
Burlington, ON L7R 4C2

Email: claims.centre@cumis.com

Need more information?

• Refer to your certificate of insurance for information about eligibility, benefits, exclusions, limitations and termination of benefits
• You can obtain information regarding the status of your claim by calling our Claims Centre from 8 a.m. to 8 p.m. Eastern Standard Time
• Your credit union or credit card provider can confirm if a benefit payment has been received

Privacy

Protecting your privacy is important to us. Privacy legislation requires that we do not disclose information relating to a claim to anyone but the claimant or in the case of a Life Claim, the estate representative. When you are calling for the status of a claim we will verify key pieces of information with you to ensure you are the claimant or estate representative.

If the degree of your disability necessitates that we discuss your claim with someone other than yourself (i.e. your spouse), we require written authorization from you to do so. If we do not have your written authorization to speak with the individual calling we will ask if you are available to provide verbal authorization for the call. For Life Claims, we will confirm we are speaking with the estate representative.