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Have questions about AMEX Account Protector Ultimate? We have answers!

Have questions about First Protection protection program from FirstBank? We have answers!

COVERAGE
BENEFITS
FILING A CLAIM
CANCELLATION

COVERAGE

What is First Protection?
We understand how difficult it can be to face a serious illness, accident, or even the death of a loved one. That is why we design a complete program thinking about you and your loved ones.
With First Protection from FirstBank, you receive financial support if you are hospitalized, diagnosed with a critical illness, or suffer a loss such as dismemberment. In addition, your beneficiaries have support in the event of your accidental death or to cover final expenses.
Learn more by reviewing the Coverage Summary section.
Who is the underwriter for this insurance?
Caribbean American Life Assurance Company (CALAC) is the underwriters of this coverage. CALAC, their subsidiaries, and affiliates carry on business 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.
I am enrolled in this program – is my spouse covered too?
This optional insurance coverage is limited to individual coverage.
How do I know if I am eligible for First Protection?
To enroll, you must be at least 18 years old and less than 69 years old (with automatic renewal until 75 years) and live in Puerto Rico. Also, you must have a FirstBank customer and own deposit account or credit card to make monthly payments.
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?
We know that cost is an important factor when choosing insurance, so we want to show you our rates in the clearest and most detailed way.
Visit the Cost of Coverage section to learn more.
How do I pay for First Protection?
For your convenience, the monthly premium will be charged automatically to the deposit account or credit card you entered at the time of enrollment. The charge will be reflected on your monthly account statement.
What if I miss a premium payment?
We know that sometimes unforeseen events may arise that prevent you from making your payment. That’s why we give you a 31-day grace period in case you are unable to make your monthly premium payment on time.
However, it is very important that, once this period has passed, your payment is up to date so that you can continue to receive the benefits without interruptions.
After the 31 days of grace, if the premium is still pending, unfortunately your policy will be canceled, and you will not be able to access the benefits.
When does coverage begin?
We want you to enjoy the peace of mind of being covered as soon as possible. If you enroll in the program from the 1st to the 10th of the month, the effective date is the 1st day of that month. If you sign up for the program from the 11th to the 30th or 31st of the month, they will be effective from the 1st day of the next month.
I enrolled in First Protection online and was approved. What happens next?
A welcome package containing your certificate of insurance and product summary page will be mailed to the address we have on file for you. This way, you will have at hand all the necessary documents with information about the characteristics and operation of your insurance..
Why was my application for First Protection denied?
Your application could have been denied because the eligibility requirements were not met or because you already have coverage.
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:
- Sending a letter by mail to:
- By calling:
If I am enrolled in First Protection, when does this coverage end?
Your insurance coverage automatically ends at the earliest of the following dates:
- The date on which the policy is terminated;
- The date after the grace period has lapsed;
- The date on which you turn 75;
- The date of your death;
- The date on which FirstBank closes your account or withdraws any rights and privileges on your account; or
- The date on which we receive your request to cancel your insurance coverage

BENEFITS

What is the daily hospital cash benefit?
If you’re hospitalized due to an illness or accident covered under this policy, you will receive a daily benefit up to a maximum of $100.00. The benefit will be paid starting on the fourth day of hospitalization.
What is the accidental death benefit?
If you die due to an accident covered by this policy, your beneficiaries will receive a payment of up to $75,000.
What is the accidental dismemberment benefit?
In the event you suffer an injury resulting in a loss of a limb or vision, you could receive up to $10,000.

Loss of:
% of benefit
Two hands, two feet, or vision in both eyes
100%
One hand and one foot
100%
One hand and vision in one eye
100%
One foot and vision in one eye
100%
A hand, a foot or vision in an eye
50%
Index fingers and thumb of the same hand
25%
“Null” fingers of one hand
10% each
What is the critical illness diagnosis benefit?
The plan will provide you with a payment of up to $5,000 if you are diagnosed with a critical illness such as:
- heart attack
- stroke
- cancer, except those types of cancer that are excluded
- heart bypass surgery for coronary artery disease
Serious disease does not include a non-invasive cancer, Kaposi's sarcoma, any skin cancer other than malignant melanoma, localized non-invasive tumors showing only early malignant changes, liver cancer and Hodgkin's disease in Stage I, and prostate cancer in State A.

This policy excludes and will not cover a critical illness developing from a pre-existing condition.
What is the final expenses benefit?
If you die due to an accident covered by this policy, your beneficiaries will receive a payment of up to $5,000..

FILING A CLAIM

How do I file a claim?
We know that making a claim can be a challenging process. Therefore, we offer you multiple options so that you can start your process in the easiest and safest way:
Your information will reach us in a quick and safe way regardless of the way you file the claim.

We understand that during the claims process a timely response is essential. Therefore, we are committed to addressing your claim as soon as possible if you submit it in a timely manner.

If your claim is approved, you will receive payment within the first 15 days after receiving the required information. If your claim is denied, we will explain the reasons in writing and tell you how to appeal this decision.

We want this process to be agile and transparent. We will keep you informed every step of the way and guide you to receive a fair resolution.

We are here to help you.
How can I check the status of a claim?
Please visit the claims portal to check the status of a claim.
If I have a question or concern about my claim or the insurance coverage, who should I contact?
You can check the status of a claim by visiting our claims portal. If you still have any additional questions or concerns, please contact Assurant.

CANCELLATION

Can I cancel my coverage at any time?
First Protection is an optional program that you can cancel at any time. According to the Insurance Code, to cancel your policy, you must notify us in writing indicating your interest in canceling. This notification must also include the insured person's full name, address, the specific product you wish to cancel, and the certificate or policy number.

Once we receive written notification, we will proceed with the cancellation of your First Protection policy.

You can send us the letter:

By email:
credito@assurant.com; or

By mail:
Assurant
PO Box 195167
San Juan, PR 00919