Protection that puts members first.
Cooperative insurance means claims are handled by people who understand your community — not a distant underwriter chasing quarterly targets.
Health & Life Cover
Affordable life and health protection for members and their immediate families, with straightforward enrollment.
Property & Asset Insurance
Protect your home, farm equipment, or business assets against fire, theft, and weather damage.
Group & Family Plans
Bundle coverage across household members at reduced group rates, exclusive to cooperative members.
Loan Protection Cover
Optional add-on that settles an outstanding loan balance in the event of death or permanent disability.
Additional Insurance Coverage
Compulsory Third Party Liability
Protects the general public from dangers caused by motor vehicles.
Personal Accident Insurance
Gives you peace of mind.
Micro Fire Insurance
Affordable annual premium to protect properties in case of physical damages.
CLIMBS Insurance Products
Family Insurance Plan
- Entry age: 18–64 years old
- Renewable up to 99 years old
Student Personal Accident
- Coverage: Pre-school to College
- ₱35.00 / year
Coop Life Savings Plan (CLSP)
- Entry age: 18–64 years old
- Renewable up to 99 years old
- Contestability: 1 year
- Premium: 1% of share capital
Claims process
- 1
File your claim
Submit online, by phone, or in person at any branch.
- 2
Meet your claims officer
A member of your own community reviews your case.
- 3
Fast resolution
Most claims are settled within 10 business days.
- 4
Get paid directly
Funds are deposited straight into your cooperative account.
Coverage shaped by your community
- Premiums priced to cover claims, not to maximize profit margins
- Bundled discounts for members who also hold savings accounts
- No aggressive sales agents — plans explained plainly, in person
- Surplus from the insurance pool returns to members as dividends
Ownership starts with a single share.
Join thousands of members already saving, borrowing, and insuring their future the cooperative way.