The Model
Simple. Fair. Community-powered.
Yusr distributes funeral costs across the entire enrolled community. Each family contributes a small, capped amount — and receives full coverage when they need it most.
Step 01
Apply and pay your registration fee
Choose your membership tier — Single ($50), Couple ($100), or Family ($150). Complete the application with your household details and upload required ID documents. Your registration fee is a one-time payment.
Your payment card is saved securely via Stripe for future community contributions. You will never be charged without a funeral event triggering the distribution.
Step 02
Your card is saved — not charged
Once approved, Yusr holds your card on file. No recurring charges, no monthly premiums, no surprises. Your card is only charged when a fellow member passes away and a distribution is triggered.
Each distribution is always within your plan cap: $40 for Single, $60 for Couple, $80 for Family. You will receive a notification before any charge.
Step 03
The community distributes the cost
When a member passes away, Yusr calculates the total funeral cost (up to $12,000 CAD + 14% service fee). This amount is distributed proportionally across all eligible good-standing members based on their tier.
Single members contribute 1 weighted unit, Couples 1.5 units, Families 2 units. This ensures the distribution is fair — larger households contribute proportionally more.
Step 04
Yusr pays the funeral home directly
Yusr transfers the funds directly to the funeral home. The grieving family never needs to handle money, collect contributions, or wait for reimbursement.
Once coverage is confirmed, payment is coordinated immediately. The family focuses entirely on prayer and mourning — we handle the rest.
The Threshold
Why does coverage need a minimum community size?
Yusr guarantees that no member will ever pay more than their plan's cap per event. For this guarantee to hold, the community must be large enough that — even in the worst case — each family's share stays within that cap.
The threshold is dynamically calculated based on the current mix of Single, Couple, and Family members. It is not an arbitrary number — it is the minimum that makes the math work for everyone currently enrolled.
Once we reach the threshold, coverage activates for all eligible members. Members who joined during the pre-threshold period will have their 90-day waiting period running simultaneously — so you won't lose time.
Example Calculation
The actual threshold varies based on the real mix of Single, Couple, and Family members in the community at any given time.
What is “eligible”?
An eligible member is one who has been approved, has completed their 90-day waiting period, and is in good standing (no outstanding contributions). Pre-threshold members are enrolled but not yet eligible for coverage.
الْمُؤْمِنُونَ فِي تَوَادِّهِمْ وَتَرَاحُمِهِمْ وَتَعَاطُفِهِمْ كَمَثَلِ الْجَسَدِ الْوَاحِدِ
"The believers in their mutual love, mercy, and compassion are like one body."
— Hadith — Bukhari & Muslim
FAQ
Common questions, answered.
Join Yusr Today
Be part of something
that matters.
A one-time registration. A card saved for future community contributions. And the peace of mind that your family will never bear the burden of burial alone.
No insurance license required to join. Yusr is a registered Ontario mutual aid program.