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life insurance is more affordable
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Providing Canadian Ukrainians with Life Insurance since 1921

The Ukrainian Fraternal Society of Canada (UFSC) is a not-for-profit fraternal benefit organization that provides life insurance and financial services to its members. The membership is comprised of Canadian individuals of Ukrainian descent. In addition, the Society provides financial support to its member’s Ukrainian community projects. Effective January 1, 2011, the life insurance business of the Ukrainian Mutual Benefit Association of St Nicholas of Canada (UMBA) was transferred to the Society.

Contact Information

Office hours: 9:00AM to 4:00PM Monday to Thursday.

Phone: 204.586.4482
Toll Free (In Canada): 1.800.988.8372
Fax: 204.589.6411
Email: Click here
Follow us: Twitter

235 McGregor Street, Winnipeg, MB. R2W 4W5    View Larger Map

© 2016 Ukrainian Fraternal Society of Canada

Funeral Insurance

Why you need funeral insurance

Most of us don’t like to think about our own or any of our loved one’s funeral, but no matter how much we ignore the inevitable, the truth is that when the time comes someone will be responsible for those expenses.

The question is will it be your grieving loved ones, such as family members or friends, who are left to pay the bill or should you plan ahead and buy funeral insurance to cover those costs so that they will have one less worry. Our funeral insurance policies range between $5,000 and $15,000 in value and are available to eligible persons between the ages of 50 and 80. It is never too late to start your insurance plan, although the earlier the better as the premiums are lower at a younger age.

Funeral insurance is a smart choice for everyone because we never know when the time will come. Funeral insurance is affordable and easy to obtain. Funeral insurance provides 100% tax free money to help your loved ones through this emotionally difficult time. Funeral insurance provides the peace of mind of knowing that you have eased the financial burden and stress from your loved ones by taking the important step of buying a plan now to prepare for the future.

How It Works

These plans are small life insurance policies that are designed specifically to handle the last expenses a person’s family must handle for them. Funeral insurance policies are permanent life insurance and provided that the premiums are paid the policy will not expire. In addition, these policies include a cash value component.


No medical exam is required. This means that the applicant will not need to provide a blood or urine sample. This can be a relief for those who have a fear of needles, as well as for those who may have certain health related conditions. Applicants will, however, be required to complete a non-medical questionnaire for the life insurance coverage. For example, we will need to know the following information:

  • Age
  • Gender
  • Height
  • Weight
  • General health conditions
  • Smoking habits / tobacco usage
  • Occupation
  • Lifestyle / dangerous hobbies

Key Features

  • No medical exams - just a simple questionnaire.
  • Funeral insurance provides 100% tax free money.
  • Premium payment options are monthly, annual, or one single lump sum.
  • The premium will be locked in for the life of the policy. Therefore, the cost will not go up – which can be a real advantage for those who are on a budget or are living on a fixed income.
  • Funeral costs are constantly getting higher and your current life insurance, if you have any, may not enough to cover medical bills, existing debt, and burial or cremation expenses.
  • Funeral insurance provides security and shows those we love that we cared enough about them to plan ahead and to save them from the unnecessary stress of paying for your funeral.

Eligibility Criteria

Policy Applicant, the person who will become the insured and policy owner must be - 1. Of Ukrainian ancestry or the spouse of a person deemed to be a Ukrainian 2. A Canadian citizen 3. Between the ages of 50 and 80

Free Planners

Available on our website under ‘General Information’ or call our office

Other financial planning information available at -

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There are three general forms of Life Insurance offered by the Society: Permanent Life, Endowment, and Term.

The maximum amount of Insurance that one person can be covered for is $100,000. Persons over the age of 60 are permitted to apply only for a maximum of $ 15,000 of either the Whole Life, 10 Pay Life, or 20 Pay Life Insurance Plans. Applicants over the age of 45 wishing to purchase more than $ 15,000 of insurance must pass a Medical Exam.

Permanent Plans

All permanent insurance plans have savings built into them, that is, the Policy builds cash values over the years. Dividends on participating policies begin after the Policy has been in-force for three (3) years. The Society cannot guarantee if any dividends, interest, or bonuses will be declared in any or all of the years in which the Policy is active.

Endowment Plans

Endowment plans are considered active Life Insurance plans until maturity when the active Life Insurance ceases and the maturity value is payable. During the time that the Plan is active Life Insurance dividends on participating policies begin after the Policy has been in-force for three (3) years. The Society cannot guarantee if any dividends, interest, or bonuses will be declared in any or all of the years in which the Policy is active.

Term Plans

Premiums are payable for the term period. At the end of the term period of the Plan neither the Insured nor the Beneficiary is entitled to any benefits. Term Plans are convertible to a Permanent Life Plan within specific time frames.

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Adult Life Insurance Plans

The Society offers several Life Insurance Plans for Adults:

  1. Single Premium Life
  2. Whole Life
  3. 20 Pay Life
  4. 10 Pay Life
  5. Life at Age 65
  6. 15 Year Endowment
  7. 20 Year Endowment
  8. Endowment at Age 65
  9. 10 Year Term
  10. 20 Year Term
  11. Term to Age 65


The Society offers several Life Insurance Plans for Youths:

  1. Single Premium Life
  2. 20 Pay Life
  3. 15 Year Endowment
  4. 20 Year Endowment
  5. Endowment at Age 18
  6. Endowment at Age 21
  7. Convertable Child Term

Additional benefits (riders) that may be added to Children’s Life Insurance Plans at the time of application for Insurance are: Double Indemnity, Waiver of Dues in the Event of Applicant’s Death, and Waiver of Dues in the Event of Applicant’s Death or Disability.

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Eligibility Criteria

Membership applies to any person of Ukrainian origin deemed to be eligible for membership - or the spouse of a person already a member - between the ages of one month and eighty years, in good health, sound of mind, of good moral character, not addicted to the abuse of alcohol or drugs, and not convicted of any serious criminal offence, shall be eligible for membership in the Society.

Child Member is a person under the age of 18, who is of Ukrainian origin, or deemed to be eligible for membership, or if the person applying on their behalf is or is eligible to become a member of the Society, shall be eligible for insurance with the Society, provided all necessary requirements are met.


Non-Forfeiture Values

Plans offered by the Society have Non-Forfeiture Values. A policy owner, who discontinues premium payments, may claim these values after the Policy has been in-force for a minimum period of three (3) years. There are three types on Non-Forfeiture Values:

  1. Cash Surrender Value
  2. Paid Up Value
  3. Extended Term Insurance


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News Bulletin

The Society publishes a News Bulletin twice yearly in May and December for distribution to its members and Ukrainian organizations in Canada. Articles include information on investments, finance, family, lifestyles, and a variety of general interest topics.

Scholarship Program

The Ukrainian Fraternal Society of Canada Scholarship Program continues to foster ties of kinship, support the Ukrainian Community, and promote Ukrainian heritage. Four Scholarship Awards in the amount of $ 1,000.00 each shall be available to UFSC members.


The UFSC applicant must be achieving academic excellence and pursuing post-secondary studies that will lead to a degree, certificate, or diploma.

The Scholarship Awards are available to individuals who are insured by UFSC. At the time of application their policy must have been in effect for a period of not less than three (3) years and the account must be in good standing.

Selection Criteria

The UFSC Scholarship Award will be presented to the individuals who achieve academic excellence and have a history of academic accomplishments. The applicants must be enrolled as a fulltime student attending an accredited university, college, or technical institute. Applicants must demonstrate that they have taken initiatives to contribute to the Ukrainian Canadian Community.

The awarding of the Scholarships will be at the sole discretion of the Ukrainian Fraternal Society of Canada. Recipients are considered to have given the Society consent to publish their name, photograph, and personal information.


Applicants must submit a typed double-spaced letter of up to 500 words explaining why they should be considered for this Award based on the indicated criteria.

The following information is required to be included with the application:

  • Full Name;
  • Address (permanent and current, if different than permanent);
  • Telephone Number;
  • Date of Birth;
  • Name and Address of Educational Institute;
  • Proof of Registration;
  • Transcripts;
  • Character References (minimum of 2 letters).

Download the Scholarship Application Form...

Application Deadline is August 15 of each calendar year. Submit Complete Application Package to:
UFSC Head Office – Attention Scholarship Award Committee

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Youth Rebates

The weekly rebate is $50.00 to a maximum of $ 100.00 for two weeks. The eligibility age is 18.

The Ukrainian Fraternal Society of Canada offers a rebate to UFSC Youth Members who:

  • attend a Canadian Ukrainian Summer Camp or
  • participate in a Canadian Ukrainian Language Summer Study Program.

This rebate is offered to existing UFSC Youth Members and to new UFSC Youth Members who become insured with the Society in the current year.

A UFSC Youth Member is the insured person of a Child’s Insurance Plan.

Official receipts are required in order to qualify for the rebates.

Download the Youth Rebate application form...

December 31 of each year is the Deadline for Rebate Requests. Requests received after December 31 will be declined.

Ukrainian library in Vancouver BC

Branch 20 of the Ukrainian Fraternal Society has an extensive library of over 22,000 volumes.

In 1928 UFSC Vancouver Branch 20 launched a library during a Shevchenko concert in the home of choir director P. Pavliukevych. Initially the collections were stored in many halls and various residences, including the homes of P. Zhary and F. Bogdan. Among others, F. Bogdan contributed many of his own works to the library including the UFSC publication British Columbia and Ukrainians and Dictionary of Ukrainian Surnames in Canada. The extensive library now contains over 22,000 volumes, including special collections of historic photographs, music, and personal archives.

Members and interested parties may visit it in the Auditorium in the Holy Trinity Ukrainian Orthodox Cathedral located at 154 - 10 Avenue East, Vancouver BC V5T 1Z4. The librarian, Oleg Litwinow can be reached at 604.856.4544.

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Will Prepararion Benefit

Every adult Ukrainian Fraternal Society of Canada and Ukrainian Mutual Benefit Association of St Nicholas insurance policy owner who employs the services of a legal professional to prepare or update a will is eligible to apply for a one-time reimbursement up to $75.00.

Download the Will Preparation Benefit Claim Form.

To qualify -

  1. You must be a UFSC or UMBA life insurance policy owner 18 years of age or older.
  2. The premiums on your insurance policy must be up-to-date.
  3. Use a legal professional to prepare or update your will.
  4. Submit a copy of the paid invoice that you received from a legal professional with the application.



  • Consider organizations or groups that encompass Ukrainian Fraternal Society members;
  • Preference to be given to organizations that promote and are involved in Ukrainian cultural and educational activities;
  • Organizations must be Canadian;
  • Support organizations or foundations in which the Society would be given exposure in the form of advertising or joint venture functions;
  • Support charitable organizations.

Application Procedure:

Only written submissions will be considered. Submissions must be received on or before the third Monday of each month for consideration at that month’s meeting.

Basic required information:

  • Name of Organization / Group;
  • Address;
  • Contact person and phone number;
  • Description of project for which funding is being requested;
  • Project budget ;
  • Amount of funding being requested.

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In 1921 a well-known member of the Ukrainian community in Winnipeg MB passed away suddenly. It was found that his next of kin were unable to meet funeral expenses but friends of the family came to the rescue. A collection was taken so that a decent burial became possible. However, anxiety among the local Ukrainian-Canadian community lingered. Suppose a similar situation arose! Surely there must be some other way in which a family in distress may be given assistance without recourse to charity.

Thus an idea was born. It called for the establishment of The Ukrainian Relief Association in the early part of November 1921. Apart from an idea of fostering ties of kinship among its members the Association, in return for small monthly dues, issued Certificates of Insurance that provided for the payment of $ 400.00 to the Beneficiary of the deceased member. Consequently the seeds of mutual aid were sown and were soon to sprout far beyond the city limits of Winnipeg.

At the February 1943 Convention in Winnipeg the Association adopted a new Charter and By-Laws in accordance with the requirements of the Dominion of Canada Insurance Act. The Association was renamed the UKRAINIAN FRATERNAL SOCIETY OF CANADA, and was put on a sound actuarial basis. Since its inception under the Dominion of Canada Insurance Act legislation the Society has enjoyed steady progress. This progress is reflected in good growth of membership, the steady rise of assets, and in the extension of benefits to the members.

At the present time the Ukrainian Fraternal Society of Canada offers its members 8 Insurance Plans and 3 Endowment Plans for adults, and 2 Life Insurance Plans and 3 Endowment Plans for children. The Society offers two additional benefits, called riders, which can be purchased by the Insured at the time of Application for a Plan. In all matters relating to the activities, business, and affairs of the UKRAINIAN FRATERNAL SOCIETY OF CANADA are managed by the Board of Directors. Member delegates elect the Directors to office at a Convention that is held every four years.

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Nature of Business

The Society provides life insurance policies to Canadian individuals of Ukrainian decent and provides financial support to Ukrainian community projects.

The Society has the authority:

  • To organize, establish and carry on local branches of the Society;
  • To propagate and develop among the members of the Society a spirit of mutual cooperation, assistance, and friendship;
  • To cultivate among the members of the Society fond recollections of Ukraine, and to promote their instruction and education in its history, literature, music, arts, traditions, customs, and amusements;
  • To promote instruction and education of Ukrainian Canadians in the history, constitution, and government of Canada;
  • To assist morally and materially the Ukrainian people in matters deemed by the Society worthy and expedient;
  • To establish insurance benefit funds;
  • To secure for its members such other advantages and to establish, maintain and administer such other fund or funds as may be provided by the by-laws of the Society and as may be necessary to the attainment of the foregoing objects, and generally to act as a fraternal, charitable, and benevolent society.

Mission Statement

The mission of the Ukrainian Fraternal Society of Canada is to provide life assurance to individuals deemed to be of Ukrainian decent, and provide financial support to Ukrainian Canadian community projects through fraternal, charitable, and benevolent activities.

The goals and objectives of the Society are:

  • To provide quality fraternal and financial programs;
  • To promote instruction and education of Ukrainian Canadians;
  • To promote Ukrainian culture and heritage.

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Governing Structure

The Board of Directors is responsible for all matters relating to the activities, management of the business, and the affairs of the Ukrainian Fraternal Society of Canada. Member delegates elect the Directors to office at a Convention that is held every four years.

The Board meets monthly to review the Society’s operation and its financial position. The manager reports to the Board and is responsible for the day-to-day operations.

The organizational structure of the Society is: Members – Board of Directors – Past-President – Manager (COO) – Employees.

Within the Board of Directors, the organizational structure is: President – Vice-President – Treasurer – Secretary – Provincial Directors – Directors.

Board of Directors 2014 to 2018

2014-2018 UFSC Board of Directors: Standing L to R: Mykola Kowalchuk (Audit Comm.), Linda Lazarowich (Audit Comm.), Orest Warnyca (SK Prov Director),Joanne Melnychuk (AB Prov Director), Myron Tarasiuk (Treasurer), Patricia Bugera Krawchuk (MB Prov Director), Daniel Huzyk (BC Prov Director) Sitting L to R: John Petryshyn, Nicholas Chubenko (Vice President),Dr. Michael Lasko (President); Boris Salamon (Secretary), Edward Pancoe (ON Prov Director)


The President is responsible for the leadership of the Society. He/She signs official documents on behalf of the Society and presides at the meetings as the Chair of the Board of Directors.

Michael Lasko of Winnipeg MB is the current President.


The Vice-President assumes all duties, powers, and responsibilities of the President, in the event that the President is unable to fulfill his/her duties. He/She serves as the Society’s Compliance Officer to ensure compliance with all government regulations and the Society’s Policies and Procedures and as the Chair of the Donation Committee.

Nicholas Chubenko of Winnipeg MB is the current Vice-President.


The Treasurer reviews and verifies all the finances of the Society on a monthly basis and signs official documents on behalf of the Society. The Treasurer also sits on the Donation Committee.

Myron Tarasiuk of Winnipeg MB is the current Treasurer.


The Secretary signs official documents on behalf of the Society and sits on the Donation Committee.

Boris Salamon of Winnipeg MB is the current Secretary.

Provincial Directors

The Provincial Directors represent the interests of the members of their respective province promote the Society within their regions, and report on the image of the Society to the Board. They assist the local Branch Executives with any matter that is brought to their attention. They also supervise and assist the Branch Executives in keeping the members of their province informed of all relevant Society information. They also form the Scholarship Committee.

The current five (5) Provincial Directors are:
Daniel Huzyk of Vancouver BC
Joanne Melnychuk of Edmonton AB
Orest Warnyca of Regina SK
Patricia Bugera Krawchuk of Winnipeg MB (is also the Audit Committee Chair and Scholarship Committee Chair)
Edward Pancoe of Brantford ON


Currently there are two (2) other members who serve on the Board as General Directors and serve on the Audit Committee. They are:
Mykola Kowalchuk of Winnipeg MB
Linda Lazarowich of Winnipeg MB

Standing Committees

Reviews the annual financial statements; reviews the regulatory returns of the Society; directs the manager to implement and maintain appropriate internal control procedures; meets with the Appointed Auditors and Actuary; and all other duties and responsibilities incidental to the office.

Is responsible to administer the Society’s Scholarship Program. The Provincial Directors serve on this committee.

Considers requests made of the Society by Ukrainian-Canadian organizations.

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Frequently Asked Questions

What is the procedure to make a death claim?

The beneficiary or executor will need to submit:

  • a copy of the Death Certificate;
  • current addresses of beneficiaries;
  • the Original Policy Certificate
    if the Original Certificate is lost, a Lost Policy Declaration must be signed or a letter provided indicating that the Certificate cannot be located.

How can I update my personal and policy information?

You can update your personal and policy information by mailing a written request or by calling our office at 204.586.4482 or 1.800.988.8372.

What is the procedure to withdraw from my funds on deposit or redeem a matured endowment plan?

The owner of the plan must submit a written request for the amount being withdrawn If the account will be closed as a result of the withdrawal, then the Original Policy Certificate must be returned or a Lost Policy Declaration must be signed

What happens to the dividends and interest that are in my policy account?

Amounts left on deposit are credited with interest on December 31 of each year at a rate set by the Board of Directors.

The amount on deposit may be withdrawn, in whole or in part, at any time by submitting a written request or by returning the signed authorization form at the top of your annual policy statement. Amounts on deposit may also be used to pay policy premiums. On the authorization form at the top of your annual policy statement, fill in the amount that you wish to have transferred, sign the form, and mail it to our office for processing.

All amounts remaining on deposit will be added to payments made to the designated beneficiaries upon the death of the insured person, or to the designated recipient when an endowment matures.

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Privacy Policy

The Ukrainian Fraternal Society of Canada is committed to ensuring that its members’ personal information is:

  • Accurate and is kept up-to-date;
  • Protected against loss or theft;
  • Not used for anything other than for what it was collected without the member’s written consent;
  • Protected by appropriate systems and personnel in place to be accountable for security, compliance, and to receive complaints and inquiries;
  • Used only for the purposes for which it was collected, as is outlined in all new application forms for membership; with a written consent by the applicant authorizing disclosure of necessary personal information within the confines of the specified purposes;
  • Available for individual members to review and amend in writing, as is their federally protected right.

For more information on this matter or to discuss your record, please contact Head Office.

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Member Forms

Please contact us for the following forms...

  • Change of Address
  • Change of Beneficiary
  • Change of Name
  • Lost Policy Declaration
  • Request to Redeem Matured Endowment
  • Request to Withdraw Dividends
  • Request for Cash Surrender
  • Transfer of Ownership

These forms can be downloaded...