We are your solution
for everything related
to your Insurance and
Risks coverage needs

Your well-being and that of your family is safe in our hands.
Request information about our services.

Request information now


Double Interest

  • Colission
  • Covers your loan
  • Comprehensive (theft, broken glass, vandalism, flooding)

Full Cover

  • Colission
  • Comprehensive (theft, broken glass, vandalism, flooding, among others)
  • Public liability
  • Bodily damage
  • Third-party injuries, medical payments
  • 24/7 Roadside assistance 
  • GAP in total loss, covers the difference between the loan vs. market value

Extended Warranty Services
Some Coverage Available For:
New and Used Vehicles

  • Break system
  • Air Conditioning – Cooling System
  • Electrical System
  • Engine-Transmission
  • Front Suspension – Wheel Direction
  • Premium Financing – 4 Easy Payments
  • 24/7 Roadside assistance 


We cover new and used vehicles

What is an extended warranty or service contract?

An extended warranty or service contract covers the costs of some types of repairs outside of or after the manufacturer’s warranty ends. We cover new and used vehicles.

Extended warranties and service contracts typically exclude routine maintenance such as oil changes and tire replacement. Consider the cost of the warranty, what is covered and what is excluded, as well as how the vehicle will be used before purchasing an extended warranty or service contract.



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Personal Package

Personal Package is a policy designed to satisfy all your personal insurance needs, providing you with total protection. We have the most competitive prices and the widest range of possibilities within the Puerto Rico insurance market.

  • Property Coverage
  • Personal Car– Full Cover
  • Civil Liability
  • Roadside and Home Assistance
  • Deferred payment plans and Financing
  • Premium revision at each policy renewal
  • Discounts on two or more vehicles
  • Other coverage available

Home Insurance – Homeowners

Dwelling Protection 
Mortgage Loan 

  • Fire
  • Hurricanes
  • Earthquake


  • Belongings
  • Liability
  • Vandalism

Request information now


Comprehensive protection against

direct damage to your property

This policy offers you comprehensive protection against direct damage to your property, including the main structure, detached structures, and personal property. In addition, it covers additional housing rental expenses in those cases where the property becomes uninhabitable and temporary accommodation is necessary.

“Homeowners” insurance also includes a public liability component which covers personal civil liability, reimbursement of medical expenses to third parties as a result of accidents for which you are legally responsible, and damages to the property of others that may occur at your residence and in personal activities.

Our personal insurance specialists work with you to identify potential exposure to losses in your home so that we may provide recommendations about the appropriate and specific coverage for your needs.

If you reside in a condominium, it is important to have a policy for your home that is compliant with the Condominium Law. Your association’s policy does not cover your belongings, personal liability coverage, or non-structural elements within your condo unit.

Under the new Condominium Law, depending on management policy, your condo association’s master policy covers the exterior structure of the building and common areas.

At BAIA we offer an HO-6 policy which will cover damages to the interior of your unit and any improvements, additions, or alterations made, as well as personal belongings.

Also, additional coverage may be included for valuable items, such as jewelry, arts, or high-cost electronic equipment, etc. 


Travel at ease

The last thing you want to worry about while traveling is risk. Planning a trip always involves a certain degree of uncertainty.

Travel insurance that protects you and your family in case of:

  • Accidental death – return of travel companion
  • Medical assistance due to accident and/or illness
  • Emergency medical assistance due to pre-existing illness
  • Emergency medical assistance due to pregnancy
  • Emergency dental assistance due to accident and/or sickness
  • Recovery in hotel – convalescence
  • Companion in case of prolonged hospitalization
  • Trip cancellation – trip interruption – trip delay
  • Loss of luggage – payment of legal fees


Health Care Plans



  • Individual and Group Medical Plans
  • Medical Plan for children over 26 years of age
  • Medicare Advantage Programs

Dental Plan

Exclusive for members of CFCU

  • Preventative
  • Maxillofacial Surgery
  • Endodontics
  • Periodontics
  • Orthodontics


Supplemental health products

Protect yourself against cancer
and other diseases:

  • Policies for Diagnostic and Treatment Expenses
  • First-occurrence Benefit up to $35,000.00
  • Benefits Paid to the Insured
  • Coverage for over 26 – Illness
  • Premium Renewal
  • Individual – Family Coverage costs range from $11.80 to $21.00 monthly
  • Coverage up to 99 years
  • Catastrophic Illness Coverage
  • Final Expenses Coverage

Request information now


What does individual
life insurance mean?

  • Individual life insurance is a policy that is paid for by one person and covers only one person. It differs from group life insurance, which covers employees of a company or members of an organization.
  • This insurance is intended to meet the financial needs of a surviving spouse or family member in the event of the death of the insured.
  • Types of life insurance:
  • Term life insurance
  • Cash value life insurance
  • Whole life insurance
  • Guaranteed issue life insurance
  • Universal life insurance


Life insurance for loans and savings accounts

Group life insurance

Savings accounts

  • Depends on the amount in savings account, up to a maximum of $5,000
  • Guaranteed payout of $5,000
  • Free for members of CFCU

Protection for
all your loans

  • Life insurance benefit
  • Car loans up to $50,000
  • Disability insurance
  • Involuntary unemployment insurance for consumer loans


Financial planning

Your and your family’s well-being is safe in our hands

Financial planning is the process of developing a comprehensive, organized, detailed, and personalized financial plan that guarantees achieving previously determined financial objectives, as well as the deadlines, costs, and resources necessary to make it possible.

This concept was born in the United States in the early 70s, in response to the need to take into account all the aspects that can influence the finances of a subject, be it a person or a company.

Protegiendo a su familia y a su empresa

  • Individual Life and Disability Insurance
  • Mortgage Life Insurance
  • Supplemental Retirement Plans
  • College Fund (University Expenses)
  • Long Term Care
  • IRA’s
  • Annuities (Supplementary Retirement Product)
  • Corporate Financial Planning for Partners and Business Owners
  • Corporate Retirement Plans


College Funding – Prepaid Savings Plan

  • The ECOLLEGE FUNDING program allows parents, grandparents, and relatives in general to pay monthly into a savings account utilizing alternative investment products, which generate the accumulation of the funds necessary to cover college education expenses.
  • The program provides obtaining a loan exclusively designed to invest in the investment programs available in the insurance and financial market.
    The loan is used to purchase an annuity used for the long-term accumulation of funds.
  • The loan will be protected in the event of death by life insurance, which would pay off the total balance of the loan issued by Caribe Federal Credit Union.
    The insurer will pay off the balance of the loan and if there is a remainder it will be assigned to the beneficiaries previously identified in the policy.


Property and Contingency

Our commitment is the proactive management
of complex risks

No matter how unpredictable our environment is, support from validated risk management experts helps you protect your property.

Before property damage, lost income, or civil liability claims affect your bottom line, the comprehensive property and accident insurance provides you
with resources to protect your business and property. The best plan design is
not to cover everything you have today, but to keep an eye on the future and eradicate unforeseen deficiencies.

Commercial Coverage

  • Damage to structures
  • Contents – ​​equipment
  • Loss of income due to fire, hurricane, earthquake, and theft 
  • Money theft
  • Employee dishonesty 
  • Inland Marine


Benefits and
services at

About us

Caribe Federal Credit Union affiliate with more than 20 years of experience
in the Insurance and Finance Industry with more than 2,000 insured members

We care about our allies

Working together with our allies is the way our team uses to provide
excellent service. That’s why we will go with you through the process of identifying and insuring your risks, assisting you when claims events arise.

Our commitment

For more than 20 years, our commitment has been to serve and help our customers. For this reason, our team of professionals is focused on providing
you with alternatives in risk management services, claims assistance,
technology, needs analysis and possible solutions to help you make better decisions when protecting your family.

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