YOUR CREDIT UNION PARTNER

YOUR CREDIT UNION PARTNER
Our focus on you
is in everything we do
Providing value, solving business challenges and delivering products and
services to meet your needs: it’s what we do. At CUMIS, we are a trusted
partner that delivers strategic advice and financial solutions to meet the
unique protection needs of you and your members.
We strive to develop solutions based on understanding your goals, sharing
our knowledge and exceeding your expectations. We work with you to
develop a successful insurance strategy while providing expert advice,
a range of insurance and insurance-based wealth management solutions
and excellent customer service.
Your committed partner in success
You’ll receive solutions from our team of experts who are aligned with your
strategy and objectives; solutions that are built on years of experience in the
credit union system.
CUMIS is a trusted
partner to credit unions
and their members for
protection — personal,
financial and business.
Relationships
We’re committed to building long-lasting, effective and proactive
relationships with all of our credit union partners. Achieving your
business goals and enhancing your members’ satisfaction is a focus
we share with you to drive our mutual success.
Wherever you’re located across Canada, you have access to a dedicated
relationship management team who draws on the experience of serving
approximately 375 credit unions with more than five million members.
This team is supported by experts and specialists from across our group
of companies and integrated sales processes. We put your needs first to
provide a superior customer experience.
Solutions
We provide advice and a full suite of insurance products and services
designed exclusively for credit unions and their members. Our advisors
work with you to deliver on your wealth and insurance strategies,
protect your business and offer financial security to your members.
We understand that you need to deliver consistent business and
branch processes. Our technology solutions are designed to work
with your systems and infrastructure, and our integrated systems
include convenient, consolidated monthly statements and reporting tools
to drive member satisfaction.
Support
We provide custom learning solutions designed to meet your insurance strategy and
preferred delivery format. By building your employees’ knowledge and capabilities,
we can work together to enhance the member experience.
To simplify the claims process and speed up turnaround times, we look for ways to pay
the claim for your credit union and members. We take pride in our proactive approach
to claims management, which sets us apart from our competitors.
Answering your members’ questions quickly and effectively is important to us. Our Client
Service Centre handles more than 10,000 calls per month related to the status of claims,
applications, product questions and general inquiries.
Results
Being results driven while providing protection to your credit union and members,
reducing risk and increasing revenue are integral to your success. We work with you
to develop revenue opportunities to help you achieve the best outcomes.
Through consultation and goal setting, we stay focused on programs that enhance
your results and financial returns while helping you maintain a competitive advantage.
Co-operative and community support
As member-owned financial co-operatives, credit unions have a meaningful impact on
the co-operative system and business landscape within Canada. Our values align with
those of the co-operative and credit union system; we are committed to giving back to
the communities in which we operate and supporting the ongoing development of the
Canadian and international credit union system.
Products
and services
portfolio
Choose from our
industry-leading suite
of products and services
that are designed to
meet your needs and
the needs of your members
at every stage of their lives.
FOR CREDIT UNION MEMBERS
Credit Insurance
 Single Premium Life, Disability and
Critical Illness
 Monthly Premium Life, Disability and
Critical Illness
 Group Mortgage Protection Life
(Riders: Disability, Loss of Employment,
Critical Illness)
 Credit Card Balance Protection
 Lender Pay Lines (Loans and
Savings Insurance)
 Member Term Life
Individual Life Insurance
 Accidental Injury Hospital Cash Plan
 Accidental Death
 Final Needs
 Term Life (Direct Term One, Term 10,
Term 20, Term 100)
 Universal Life
 Critical Care
Auto Insurance
 Liability
 Accident Benefits
 Collision and Comprehensive
Home Insurance with Identity Theft Coverage
 Homeowners
 Tenants
 Condominiums
Travel Insurance
 Annual
 Per Trip
FOR CREDIT UNIONS
Credit Union Bonding Program
 Fidelity Bond
 Professional Liability
 Directors’ and Officers’ Liability
Credit Union Property and Casualty
 Property and Liability Insurance
(including Catastrophic Loss, Financial Indemnity)
 Security Interest in Loans, Mortgages
Employee Benefits
 Health, Dental and Vision Care
 Life Insurance and Disability
Retirement Services
 Defined Contribution Pension Plans
 Defined Benefit Plans
 Deferred Profit Sharing Plans
 Group Registered Retirement Savings Plans
 Supplemental Employee Retirement Plans
 Deferred Salary Leave Plans
 Group Tax-Free Savings Accounts
Relationship Services
 Client Service Centre
 Multi-Channel Access
 Claims and Underwriting Administration
 Onsite and Online Credit Union Training and Coaching
 Loss Prevention Tools and Training
 Tele-Underwriting
 Sales Performance Reporting
 Fraud and Robbery Prevention Programs
 Comprehensive Risk Management Services
About us
The CUMIS Group Limited (CUMIS) creates financial security for Canadians and promotes
the growth and success of credit unions and caisses populaires in Canada.
Our strong foundation is built on a group of companies that include CUMIS Life Insurance
Company and CUMIS General Insurance Company, as well as a 50 per cent interest in
Credential Financial Inc. We are jointly owned by Co-operators Life Insurance Company
and Central 1 Credit Union.
We offer an industry-leading suite of insurance-related products and services built on 75 years
of experience in the credit union system and we are proud to have been named among the
Best Employers in Canada and the Greater Toronto area*.
Contact your CUMIS Relationship Manager to learn
more about how we can help you achieve your goals.
The CUMIS Group Limited / P.O. Box 5065 / Burlington, ON L7R 4C2
1-800-263-9120 / www.cumis.com
CUMIS® is a registered trademark of CUMIS Insurance Society, Inc. and is used under licence.
*Based on Queen’s Business School and Toronto Star reports in 2012.