AFFUADUSA

1. Join as a Family or Group

• Membership is organized by families or groups
• Each family must have a minimum of five (5) members
• Two representatives must be designated for coordination

2. Registration and Initial Payment

Upon registration, each member is required to pay:

• Initial Escrow Contribution: Estimated $20 per member
• Annual Administrative Fee: $10 per member

The escrow contribution is held and used toward future death benefit obligations.

3. Waiting Period

• United States & Canada: 3 months
• International members: 6 months

Members are not eligible for benefits during the waiting period.

4. When a Death Occurs

• The family representative reports the case
• Documentation is submitted and verified
• Eligibility is confirmed
• Total active members are calculated
• Contribution amount is determined
• Payment notifications are sent to all members

5. Contribution Model

AFFUADUSA uses a shared contribution system:

Payout Target ÷ Total Active Members = Contribution per Member

• Current target payout: $10,000
• Future target payout: Up to $15,000 or more as membership grows

6. Use of Escrow Funds

• Initial escrow contributions may be applied toward a member’s obligation when a case is activated
• If the escrow amount does not fully cover the required contribution, the remaining balance must be paid
• If contributions exceed the escrow, members will be notified of the additional amount due

7. Fund Disbursement

• Contributions are collected and verified
• Funds are disbursed to the bereaved family
• Case is officially closed

Membership Requirements

• Must join as part of a family or group of at least five (5) members
• Must pay the initial escrow contribution and annual administrative fee
• Must provide accurate personal information
• Must comply with all AFFUADUSA rules

Member Responsibilities

• Maintain the required escrow balance (as applicable)
• Pay additional contributions when notified
• Respond to official communications
• Keep personal and family information updated

Failure to comply may result in:

• Suspension
• Loss of eligibility
• Removal from the program

Eligibility Rules

A member is eligible if:

• Waiting period has been completed
• Initial escrow and administrative fees have been paid
• Member is part of an active family/group
• Member is financially current

A member is NOT eligible if:

• Waiting period is incomplete
• Required payments are not made
• Membership is inactive or suspended

Payment Methods

Members may contribute using:

• Zelle
• PayPal
• Cash App

All payments must be:

• Submitted on time
• Properly referenced
• Verified by the administration

Members may be required to upload proof of payment.

Case Verification

Each reported case must include:

• Valid documentation (death certificate or equivalent)
• Member identification details
• Confirmation of eligibility

All cases are subject to administrative review before approval.

Governance and Oversight

AFFUADUSA operates under a structured leadership system that includes:

• Board of Directors
• Administrative Team
• Financial oversight procedures

All cases and financial activities are reviewed to ensure transparency and accountability.

What is the initial escrow payment?

It is an estimated upfront contribution of $20 per member used toward future benefit obligations.

Is the escrow refundable?

Escrow is part of the contribution system and is applied toward obligations within the program.

What is the annual fee?

Each member pays $10 annually for administrative and operational support.

Can I join individually?

No. Membership is family/group-based (minimum 5 members).

What happens if I don’t pay when required?

You may lose eligibility for benefits.

How is the contribution amount determined?

It is calculated based on total active members at the time of the case.