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Products & Services

Credit & Mortgage Protection

Credit and Load Insurance is a very simple and affordable way to protect you and your loved ones from unexpected financial loss.
We all work hard for our money and our lifestyle but sometimes life can take a hard turn, you may find yourself critically ill, totally disabled, or you or your loved one may pass away leaving unplanned, overwhelming debt.
CUMIS offers comprehensive credit insurance for credit union members on all types of debt, from small loans to large mortgages, small business to agriculture.
CUMIS provides:


Protect against the unexpected by safeguarding your assets and your family.

Peace of Mind

Payment protection allows you the freedom to enjoy your life, worry free from financial stress for you or your loved ones.

Affordable Coverage

We have affordable group rates available for credit union members. If you compare the cost of the insurance against the cost of replacing what you may lose without it, you will see its true value.


Enrolling is easy. Plus, we offer a 30-day free look. If you aren’t satisfied, cancel within the first 30 days for a full refund.


Payment protection coverage is optional and is underwritten and provided by CUMIS Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. CUMIS® is a trademark of CUMIS Insurance Society, Inc.

Learn more by following the links below or talk to your credit union.

Credit Card Balance Protection
CUMIS offers comprehensive balance protection at an affordable price, based on the outstanding account balance on the statement billing date.
Mortgage Protection
CUMIS provides mortgage protection in case of the diagnosis of a critical illness, total disability, involuntary loss of employment and death.
Loan and Line of Credit Protection
Whether you have a personal fixed-term loan, a revolving loan or a business with an operating line-of-credit, CUMIS keeps you covered.

Please contact the CUMIS Life and Disability Claims Department at

For more information or to download claims forms, please visit our claims page.

If you would like more information on how any of our products can help protect your credit union and your members call our Customer Contact Centre.


Monday to Friday
8 a.m. to 8 p.m. EST
Contact Us

If you have general questions simply contact us by using our contact form or call us at 1.800.263.9120

Monday to Friday

8 a.m. - 8 p.m. EST​