GENERAL CONDITIONS OF FUNERAL ASSISTANCE PLAN

ASSURE for life Membership Plan by Protección Plenitud, Inc.

IMPORTANT: YOU ARE NOT BUYING A PREARRANGED FUNERAL CONTRACT OR AN INSURANCE POLICY.

Assistance with and access to funeral related professional services as an exclusive benefit provided to ASSURE for life Members.

ASSURE for life Membership Plan provides each Member access to funeral related professional services wherein Protección Plenitud, Inc. contracts with licensed funeral establishments and cemeteries in the United States and in other countries to provide those services to members.

The primary member purchases the primary membership and then designates additional members according to the membership plan category (type). In exchange for a set fee, the holder and additional members are entitled to certain assistance services.

The coverage area is as follows: In the United States: All 50 states, Washington D.C., and only the unincorporated territory of Puerto Rico. In Latin America: Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, Uruguay, and Venezuela. In The Caribbean: Haiti, Jamaica, and the Dominican Republic.

A. International Funeral Assistance

Protección Plenitud, Inc. will arrange for the following services to be provided by third parties:

1. Transfer of the deceased to the local funeral provider.
2. Preparation of the deceased (embalming or cremation).
3. Standard casket (according to country regulations) or urn for cremated remains.
4. Assistance with the preparation of certain legal documents and procedures: (assistance with consulate, obtaining public health license and death certificate).
5. Shipment of remains of residents of the United States, Washington D.C., and Puerto Rico to the countries covered in Latin America and the Caribbean. ASSURE for life Membership Plan does not provide repatriation of remains to the United States of America, Washington D.C or Puerto Rico, and no benefits are provided for members who undertake planned travel outside the United States, Washington D.C, and Puerto Rico.
6. Transfer of the deceased to the airport.
7. Provide airline ticket for the deceased to the city requested by the member.
8. Transfer of the deceased from the airport to the local funeral provider.
9. Basic funeral services according to usage and customs at the destination.
10. Burial (only applies in the countries covered in Latin America and the Caribbean),
11.  In the event that the client chooses cremation, the funeral provider will select the crematorium for the final disposition of the deceased.
12.  Provide airline ticket in economy class, subject to the availability of the airline, for the primary member within the United States, Washington D.C., and Puerto Rico (round trip) with the sole purpose of attending the funeral service of the beneficiary.

B. Family Protection for Beneficiaries Residing in the countries covered in Latin America and the Caribbean.

Protección Plenitud Inc. will arrange for the following services to be provided by third parties:

1. Basic funeral service or cremation.
2. Transfer of the deceased to the local funeral provider.
3. Preparation of the deceased.
4. Provide standard casket (according to country regulations) or urn for cremated remains.
5. Viewing at funeral provider or home viewing equipment according to local usage and custom.
6. Final disposition in accordance with the legal provisions, uses and customs of the selected country; services and adaptation rights if the lot or vault is their own.
7. In the event that the client chooses cremation, the funeral provider will select the crematorium for the final disposition of the deceased.
8. Provide airline ticket for the primary member in economy class, subject to the availability of the airline, from the United States, Washington D.C., and Puerto Rico (round trip) with the sole purpose of attending the funeral service of the beneficiary.

C. Family Protection for Beneficiaries Residing in the United States, Washington D.C., and Puerto Rico.

Protección Plenitud Inc. will arrange for the following services to be provided by third parties:

1. Basic funeral service or cremation.
2. Transfer of the deceased to the local funeral provider.
3. Preparation of the deceased (embalming or refrigeration).
4. Viewing at funeral provider for the minimum time the funeral provider offers.
5. Provide standard casket or urn.
6. Transportation of the deceased to the cemetery or crematorium. In the event the client chooses cremation, the funeral provider will select the crematorium for the final disposition of the deceased.
7. Basic reminder pack.
8. Death certificate (1).
9. Provide airline ticket in economy class, subject to the availability of the airline, for the primary member within the United States, Washington D.C., and Puerto Rico (round trip) with the sole purpose of attending the funeral service of the beneficiary.

D. Request for Services

1. To request services, the primary member must contact ASSURE for life by Protección Plenitud, Inc. using the toll-free customer service line 1-888-815-5817. A staff member will begin the process of providing the services. Please have this membership contract at hand at the time of the call.
2. No request for services will be accepted other than as set forth above. Protección Plenitud, Inc. is not responsible for providing any services described above unless requested as set forth above. No refund or granting or indemnity or reimbursement will be made relating to services not requested as set forth above.
3. Note that the members must not have been diagnosed with a terminal condition at the time of registration. If the contrary is verified, Protección Plenitud Inc. is not responsible for providing any services described above and no refund will be made.
4. The ASSURE for life Membership Plan offers services related to accidental or violent death three (3) business days after enrollment (once the first payment has been made), and for natural death one hundred eighty days (180) after enrollment (once the first payment has been made).
5. Payment for the plan is only accepted in the United States, Washington D.C., and Puerto Rico or through agencies authorized by Protección Plenitud, Inc. in the countries covered in Latin America and the Caribbean.

E. Conditions

1. Number of additional members beneficiaries and relationship: The primary member and additional members must be under age 65 on the date the membership begins. However, the parents and spouse of the primary member must be under age 80 on the date such additional membership begins. (Up to two people)
2. False information: The receipt by Protección Plenitud, Inc. of false information regarding name, age, relationship to the primary member or health status is a basis upon which the ASSURE for life Membership Plan will be deemed null and void. If the ASSURE for life Membership Plan is deemed null and void, Protección Plenitud Inc. is not responsible for providing any services described above and no refund will be made. EMERGENCY LINE, 24/7 1 888 815 5817 CUSTOMER SERVICE LINE MONDAY TO FRIDAY FROM 9:00 a.m. to 5:00 p.m Eastern Time 1-855-275-2577
3. Multiple enrollment: If the deceased person is enrolled with more than one membership, only one set of services described above will be provided.
4. Additional services: The primary member is responsible for paying the funeral provider for any services that are not included in the ASSURE for life Membership Plan.
5. Unused services: No refund will be made for any services not utilized.
6. Exclusion related to disaster or emergency: Services will not be provided in the event that the deceased died as a result of a major disaster or emergency as defined by the U.S. government, Washington D.C., Puerto Rico, or the countries covered in Latin America and the Caribbean, including but not limited to global pandemics, etc.
7. Beneficiaries replacement: Substitutions or changes to the plan can only be made upon the annual renewal of the ASSURE for life Membership Plan.
8. Payments must be current: Payments for the ASSURE for life Membership Plan must be current in order for services to be delivered.
9. Past due payments: If a payment is past due by 60 days or more, the ASSURE for life Membership Plan is suspended (inactive) until 30 days after all payments have been brought current.
10. Termination of plan: If payments for the ASSURE for life Membership Plan are more than 90 days in arrears, this contract is terminated. No services will be provided and no refund will be made.
11. Timely payments: It is the responsibility of the primary member to make all payments in timely fashion for the ASSURE for life Membership Plan.
12. Terminated employee: If the ASSURE for life Membership Plan is provided as a benefit of employment, any terminated employee who desires to continue to be covered by the ASSURE for life Membership Plan must make immediate arrangements for an alternative payment method.
13. Current information: The primary member must notify Protección Plenitud, Inc. when changing basic data such as telephone numbers, correspondence address, email and means of payment.
14. Term: The ASSURE for life Membership Plan is valid for one year from the date of enrollment.
15. Automatic renewal of membership: The ASSURE for life Membership Plan will automatically renew unless either party gives notice to the other of intent not to renew. Such notice must be given thirty (30) days before the expiration date of the ASSURE for life Membership Plan.
16. Price increases: The price of the ASSURE for life Membership Plan may increase upon renewal.
17. Cancellation of plan: The plan can be canceled only by the primary member. A refund will be made only for the months following the month in which the plan was canceled.
18. Arbitration: Any controversy or claim arising out of or relating to the ASSURE for life Membership Plan shall be settled by arbitration administered by the American Arbitration Association. The place of arbitration shall be Miami, Florida. Florida law shall apply. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Protección Plenitud, Inc. arranges, but does not directly provide, the described covered services.

Certain restrictions apply to all services, including the availability of services in all locations. Unless as otherwise specified, the terms and conditions apply to each ASSURE for life Membership Plan.

Delays are sometimes unavoidable due to weather, or unusual service demands. Additionally, longer-distance transport may be subject to longer delays. Although Protección Plenitud, Inc. holds its service providers to high standards of service, Protecction Plenitud, Inc. cannot control the manner in which independent service providers render services. Protección Plenitud, Inc. will not be liable for their misconduct, negligence or other acts or omissions. Protección Plenitud, Inc. will attempt to resolve any members’ complaints resulting from the services provided by third parties. Complaints should be reported as soon as possible and before making alternative service arrangements in order to best assist the member. Failure to do so may limit our ability to provide assistance.