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One line summary:
Areivim USA is a dignified way to give צדקה. It is not Life Insurance and doesn't guarantee any sort of financial protection to its members. it is registered as a religious organization and as such isn't required to incur the additional cost of preparing and filing form 990 with the IRS.

http://www.areivim.info/rform.php

Eb228
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I spoke to Areivim at length as I sell life insurance and wanted to best advise ppl that had Areivim already and wanted to supplement it with LI.
I was told that it has never happened that Areivim declined to pay out based on someones assets or LI. It has happened that the family told them they don't need the money, but they never told the family no.
Simple reasoning is, they also think that 100K per yasom doesn't really cover it, the program just won't allow for a higher payout at $28/ monthly. So they encourage everyone to have LI as well to make sure kids are adequetly covered, and owning LI does not disqualify a payout [unless each kid will receive over a million dollars etc].



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They are tax exempt. Click on the below IRS link and then download the first attachment. Then search "Areivim USA"

https://www.irs.gov/charities-non-profits/tax-exempt-organization-search-bulk-data-downloads


This (I have been to a few Areivim meeting with these Rabbonim)

Harav Elya Brudny, Rosh Yeshivas Mir Flatbush;
Harav Yitzchok Isaac Eichenstein, Galanter Rav;
Harav Doniel Geldzahler, Rosh Yeshivas Ohr Yisrael;
Harav Binyomin Zev Landau, Tosher Dayan of Boro Park;
Harav Henoch Shachar, Rav of Klal Ohr Tuvia in Lakewood

Areivim Terms and Conditions (emphasis added):
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4) Areivim USA is not life insurance. Areivim USA has been established primarily as a charitable endeavor and its halachic status is like that of all tzedakah money collected from the public. In the event of a the passing of a member rl, all contributions can be made with maaser money.

5) In the event of (G-d forbid) a large number of deaths among members (as a result of a war, an earthquake, etc.), Areivim USA reserves the right to consult with its Rabbinical Board on proper procedures.

6) Members have no rights to sue or submit legal claims against the decisions of Areivim USA or its Rabbinical Board, including for failure to initiate a collection. There are no oral agreements or other commitments between Areivim USA and its members, and no such oral agreements or commitments shall be given any legal effect.

« Last edited by ExGingi on May 30, 2021, 11:11:03 AM »

Poll

Do you have Areivim & Life Insurance? (NOTE: Areivim is not life insurance)

Yes
42 (66.7%)
Only Areivim
21 (33.3%)

Total Members Voted: 63

Author Topic: Areivim USA - Coronavirus  (Read 73987 times)

Offline WayBackMachine

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Re: Areivim USA - Coronavirus
« Reply #940 on: February 13, 2023, 09:17:18 AM »
this is the same BMG campaign that was recently criticized, they clearly write that Areivim not life insurance and everyone is encouraged to get both,
I asked them about it, and they said they fixed their mistakes.


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Re: Areivim USA - Coronavirus
« Reply #941 on: February 13, 2023, 10:39:21 AM »


they clearly write that Areivim not life insurance


Where?
Feelings don't care about your facts

Offline dm123

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Re: Areivim USA - Coronavirus
« Reply #942 on: February 13, 2023, 11:52:00 AM »

Where?

Image is pretty unclear. But it seems to say "Areivim encourages its members to also sign up for life insurance." (i.e. LI is a separate thing that should be obtained)

That being said this picture gives a very strong impression that Areivim is related to life insurance rather than a beautiful way to give tzedaka.
"also sign up for LI"
"When a family has both they should be covered for all eventualities"
"They'll be able to pick up the pieces...in a respectful manner"

If they would clarify that LI covers financial/gashmi and Areivim covers ruchni (tzedaka tatzil) or something like that I would be more comfortable with the language.
Although my comfort is largely irrelevant, if people are signing up for Areviim and looking at LI policies, then it's great.

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Re: Areivim USA - Coronavirus
« Reply #943 on: February 13, 2023, 12:00:17 PM »
When will the question in the poll be corrected?

Areivim is not anything one "has". People could be members, but they don't "have" anything. Life insurance on the other hand is a legal contract that gives the owners rights and benefits. It is something people could have.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline dm123

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Re: Areivim USA - Coronavirus
« Reply #944 on: February 13, 2023, 12:08:19 PM »
When will the question in the poll be corrected?

Areivim is not anything one "has". People could be members, but they don't "have" anything. Life insurance on the other hand is a legal contract that gives the owners rights and benefits. It is something people could have.

Arguably the zchus hatzedaka one "has" from Areivim is much more "real" than the legal contract from life insurance.

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Re: Areivim USA - Coronavirus
« Reply #945 on: February 13, 2023, 12:11:22 PM »
Image is pretty unclear. But it seems to say "Areivim encourages its members to also sign up for life insurance." (i.e. LI is a separate thing that should be obtained)

That being said this picture gives a very strong impression that Areivim is related to life insurance rather than a beautiful way to give tzedaka.
"also sign up for LI"
"When a family has both they should be covered for all eventualities"
"They'll be able to pick up the pieces...in a respectful manner"

If they would clarify that LI covers financial/gashmi and Areivim covers ruchni (tzedaka tatzil) or something like that I would be more comfortable with the language.
Although my comfort is largely irrelevant, if people are signing up for Areviim and looking at LI policies, then it's great.

Here is a clearer image :)
I've enrolled not that long ago despite having enough LI coverage that al pi teva my family should not need the money due to the reframing of it as a tzedaka here on DDF. Based on their framing of it as an LI substitute/supplement, I would not have enrolled.



 

The point isn't whether or not it has a name "Life INsurance" but that it is being presented as being essentially the same thing and as a replacement for it. This answer makes it worse not better. They very clearly consider the only reason for LI to be that Areivim is not enough money. Note how they very specifically avoid giving any answer to "How is Areivim different from LI?" and instead just go on to recommend having both.
Feelings don't care about your facts

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Re: Areivim USA - Coronavirus
« Reply #946 on: February 19, 2023, 11:22:55 AM »
My shul had a big drive this week, where the message was "Everyone should get areivim". I didn't hear once that you should get (term) life insurance. While Areivim does mention quietly that they aren't a substitute for LI, I didn't hear that this time.

I'm not anti-Areivim, I have it, I think this push is a very good thing, but would have been better if they mentioned that LI is usually attainable for a few bucks a month.

Offline jack79

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Re: Areivim USA - Coronavirus
« Reply #947 on: February 19, 2023, 03:10:19 PM »
Who runs Areivim? Who started it?

Online AsherO

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Re: Areivim USA - Coronavirus
« Reply #948 on: February 19, 2023, 03:13:43 PM »
Arguably the zchus hatzedaka one "has" from Areivim is much more "real" than the legal contract from life insurance.

Let me guess, people cash that check on crowdfunding platforms. Hard pass.

Offline WayBackMachine

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Re: Areivim USA - Coronavirus
« Reply #949 on: February 19, 2023, 03:24:20 PM »
Who runs Areivim? Who started it?
why don't you email them?