COVERAGE

• What is Female Guard?
  
• Female Guard is an insurance that offers various benefits following a diagnosis of female breast, cervical, uterine, and ovarian cancer. This coverage is provided under an individual plan. To be eligible, you must have female reproductive organs, be a resident of Puerto Rico, and be between the ages of 18 and 64. Coverage can be extended until you reach 69 years of age, provided you continue to make the corresponding monthly premium payments and the premium is up to date at the time of requesting benefits.
  
  Visit the the Coverage Information section for more details.
• Who is the underwriter for this insurance?
  
• Caribbean American Life Assurance Company (CALAC) is the underwriter of this coverage. CALAC, their subsidiaries, and affiliates operate in Puerto Rico under the name of Assurant^®.
  
• How do I enroll?
  
• Enrolling online is easy! Visit the Enrollment Section of this website to review the product details. Then complete the online application.
  
• How do I know if I am eligible for Female Guard?
  
• To be eligible, you must have female reproductive organs be between the ages of 18 and 64 years old and live in Puerto Rico.
  
• Are there any health questions or a medical exam required to enroll?
  
• There are no health questions or medical exams required to determine eligibility.
  
• How much does this insurance cost?
  
• Visit the Coverage Information section to learn more.
• How do I make the monthly payment for Female Guard?
  
• Your fixed premium monthly payment will be charged to your selected deposit account or credit card selected on the enrollment process. The charge will appear on your monthly account statement.
  
• I enrolled in Female Guard online and the application was approved. What happens next?
  
• In 5 to 7 business days, a welcome package containing your Certificate of Insurance and Product Summary page will be mailed to the address we have on file for you. If by any reason you don’t receive this package, contact our customer service department at 1-800-981-8888 Monday through Friday from 8:00 am to 5:00 pm.
  
• Why my application for Female Guard was denied?
  
• Your application may have been denied because you did not meet our eligibility requirements or because you already have Female Guard coverage.
  
• Can I cancel my coverage at any time?
  
• Yes, you can cancel at any time. The Insurance Code requires that you notify us in writing your interest in canceling the policy. Please also include your full name, address, product you wish to cancel and certificate or policy number. You can send us the letter:
  • By email:

  credito@assurant.com

  
  
  • By mail:

  Assurant

  PO Box 195167

  San Juan, PR 00919

  
  
• How do I update my personal information (address, beneficiary, etc.)?
  
• We offer you different options so you can request to update your information securely:
  • Sending an email to:

  credito@assurant.com

  
  
  • Sending a letter by mail to:

  Assurant

  PO Box 195167

  San Juan, PR 00919

  
  
  • By calling:

  1-800-981-8888
  Monday through Fridays 8:00 am to 5:00 pm

• If I am enrolled in Female Guard, when does this coverage end?
  
• Your insurance coverage automatically ends at the earliest of the following:
  • unpayment;
  • the date on which the policy is due or terminated;
  • the date after the grace period of 31 days has lapsed and you still haven’t made your premium payment;
  • when you’re no longer eligible
  • the date of your death;
  • the date when you turn 69 years old;