What is Family Bereavement Insurance?
Family Bereavement Insurance (FBI) provides financial support to families in the event of the death of an insured family member. The benefit is designed to cover funeral expenses, burial costs, and immediate family support needs — reducing the financial burden at an already difficult time.
A single policy covers up to six (6) family members — including the policyholder, spouse, children, parents, and in-laws. Once all required documentation is received and approved, claims are processed in accordance with the policy terms and conditions.
Who Can Be Covered?
Entry age: 18 to 76 years. No medical examinations are required to enroll. Up to 6 family members covered under one policy.
Select the Plan That Fits Your Family
Six plan levels are available. Choose the coverage amount that best matches your needs. Monthly premiums remain fixed — no increases over the life of the policy.
| Plan | Monthly Premium | Benefit Amount |
|---|---|---|
| Plan A | $75.00 | $15,000 |
| Plan B | $60.00 | $12,000 |
| Plan C | $50.00 | $10,000 |
| Plan D | $35.00 | $8,000 |
| Plan E | $25.00 | $5,000 |
| Plan F | $15.00 | $3,500 |
All amounts in Eastern Caribbean Dollars (XCD). Monthly premiums will not increase over the life of the policy.
Why Choose Family Bereavement Insurance?
Claims are processed promptly once all required documentation has been received and approved.
Enrol without a medical examination, subject to the policy terms and conditions.
If your premium is ever adjusted, you will be notified before any change takes effect.
Cover yourself and up to five eligible family members under a single policy.
Select from a range of benefit options designed to suit your family's needs and budget.
Enrol through your Credit Union or directly with CICL using the Family Bereavement Insurance Enrollment Form.
How to File a Claim
- 1Notify Your Credit Union
Notify your Credit Union as soon as possible following the passing of the insured family member. Early notification allows your Credit Union to begin guiding you through the claims process.
- 2Submit Supporting Documents
Provide the death certificate and any other documents required to support your claim. Your Credit Union representative will guide you through the process.
- 3Claim Review
CICL will carefully review your claim once all required documentation has been received. Our goal is to make the process as straightforward and supportive as possible.
- 4Benefit Payment
Once your claim has been approved, benefits will be paid promptly in accordance with the policy terms and conditions.
Ready to Protect Your Family?
Enrol today through your Credit Union or directly through the CICL website using the Family Bereavement Insurance Enrollment Form and help provide financial support for the people who matter most.
Quick Facts
Enrollment Form
Download the Family Bereavement Insurance Enrollment Form and submit it through your Credit Union or directly to CICL.
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Need Assistance?
If you need assistance submitting a claim or have questions about the required documentation, please contact your Credit Union or reach out to CICL. We are here to help.
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