Right for you if: You want credit protection on your Republic Bank credit card balance Overview Your Republic Bank credit card can give you convenient access to credit for your everyday purchases and expenses. However, in the event of your death or the diagnosis of a covered critical illness, this convenience could become your family's financial obligation. Credit Protection can prevent this from happening. Credit Protection pays the outstanding loan balance on your credit card account in the event of your death, relieving your loved ones of added financial pressure at a difficult time. Critical Illness Protection is a living benefit, which means that the outstanding loan balance on your credit card account can be paid in the event you are diagnosed with a covered critical illness (specifically heart attack, cancer, or stroke). If you already have life protection, you may want to add critical illness coverage or consider joint coverage. As a Republic Bank credit card customer, it’s easy to take advantage of this important offer of protection. You are already approved for coverage provided that you (and your secondary cardholder, if you choose) are less than 70 years old on the date you enrol for Life Protection, or less than 60 years old if you decide to enrol for both Life and Critical Illness Protection. No health questions are asked. Fees and Terms of Credit Life Protection Costs for every $100 of outstanding balance 29¢ for every $100 of outstanding balance on joint cards 52¢ Coverage up to $40,500 XCD Features Affordable monthly premiums for Credit Protection are based on your balance Single Life coverage costs just 29 cents for every $100 of your outstanding account balance on the previous month's Republic MasterCard statement. Joint Life coverage (two people) on the same Republic MasterCard account costs 52 cents for every $100 of your outstanding account balance on the previous month's Republic MasterCard statement. Single Life and Critical Illness coverage costs just 53 cents for every $100 of your outstanding account balance on the previous month's Republic MasterCard statement. Joint Life and Critical Illness coverage (two people) on the same Republic MasterCard account costs 95 cents for every $100 of your outstanding account balance on the previous month's Republic MasterCard statement. Your monthly credit insurance premium amount is added to your Republic credit card account automatically and is reported on your statement No premium will be charged if your previous month's statement balance was zero A note from the insurers: In this section, we have attempted to explain clearly and briefly the coverage available under this plan. Coverage is subject to specific limitations and exclusions, including age restrictions, as described in the Certificate of Republic Credit Life Protection Insurance and the Policy, which you will receive upon purchase. Please refer to the Certificate of Republic Credit Life Protection Insurance for details. Insurance is underwritten by Republic Insurance Eastern Caribbean Limited. Requirements You must be a current Republic Bank credit card customer, and less than 70 years old on the date you sign up for Credit Life Protection or less than 60 years old on the date you sign up for Critical Illness Protection. Ready to Apply? In Person Contact us for more information. Find a local branch