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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
Quote
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].



Quote
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):
Quote
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 r”l, 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
49 (70%)
Only Areivim
21 (30%)

Total Members Voted: 70

Author Topic: Areivim USA - Coronavirus  (Read 146672 times)

Offline yuneeq

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Re: Areivim USA - Coronavirus
« Reply #700 on: May 30, 2021, 01:11:33 PM »
FWIW they do state it clearly. Whether or not it's prominent enough is a subjective opinion.

The problem is that people will believe what they want to, even if it's removed from the reality presented to them. That happens everywhere a purchase is involved, as purchases involve emotions too. I am currently dealing with an extreme case where I took over as servicing agent on a policy, and the client is making baseless ridiculous arguments, ignoring the fact that they simply didn't pay all their premiums due on time, spending so much time and energy trying to tell me what the company should do, who they should hire, etc etc.

I think there’s 2 types of of people, those that want to know every detail of their coverage and will pay more to get the protection they think they need, and the other type at best just wants to know they have some sort of coverage and don’t want to ask any questions as long as they tick off a box.

Anyone in the first category will not be fooled into thinking that Areivim is life insurance. Anyone in the 2nd category doesn’t care enough to pay for the necessary life insurance and may be convinced by a friend to at least sign up for Areivim if they refuse to get term. They might say to themself I have Areivim so I don’t need life insurance anymore but that is solely due to their lack of concern.
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Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #701 on: May 30, 2021, 01:12:22 PM »
I have something against lack of transparency and iffy fundraising methods. I have nothing against charity/tzedakah.
they're transparent enough that you can reach out to them with any questions or comments you have

Offline yuneeq

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Re: Areivim USA - Coronavirus
« Reply #702 on: May 30, 2021, 01:18:15 PM »
For the hundredth time, you’re entitled to your opinion but please stop calling mine dumb. The fact that they busy in their terms that it isn’t life insurance doesn’t change the impression I got when I encountered the organization. Granted it was years ago and their approach may have changed, but I’m entitled to wonder about it.

The way I see it, repeatedly calling Areivim life insurance despite being corrected multiple times is either a misinformed or malicious perspective (unless there’s a 3rd option I’m missing), I choose to believe the former.
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #703 on: May 30, 2021, 03:25:13 PM »
The way I see it, repeatedly calling Areivim life insurance despite being corrected multiple times is either a misinformed or malicious perspective (unless there’s a 3rd option I’m missing), I choose to believe the former.

When did I CALL THEM life insurance? I said that from what I’ve seen they’ve misrepresented themselves in a way that could be interpreted as such.
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Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #704 on: May 30, 2021, 03:40:34 PM »
When did I CALL THEM life insurance? I said that from what I’ve seen they’ve misrepresented themselves in a way that could be interpreted as such.
PIODH
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #705 on: May 30, 2021, 03:46:43 PM »
PIODH

I need pics of a conversation I had a decade ago?
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Offline ExGingi

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Re: Areivim USA - Coronavirus
« Reply #706 on: May 30, 2021, 03:47:49 PM »
I didn’t put the poll up though I agree it seems misleading. Not enough to take a position as a mod unless you can tell me which forum rule it violates and how, and suggest an amendment.

In any case if you do, do it via the report-to-mod button or PM since moderation questions shouldn’t be asked publicly.

RTM doesn't allow enough characters for full explanation and suggestions.

If anything (trying not to veer to far from original poll, as flawed as it is), I think a poll should ask:

Do you financially protect your family?

1. Yes. I consulted with a professional who analyzed my situation and recommended the right amount of insurance.
2. Yes. I did my own research and bought at least $1MM of insurance.
3. Yes. I did my own research and bought less than $1MM of insurance.
4. I joined Areivim believing that this is a minimal hishtadlus to do for my family's dignity if something tragic happens.
5. I joined Areivim as an extra measure and as a way to give צדקה in a dignified way, but I primarily rely on Life Insurance for my family protection.
6. My Rebbe is opposed to buying Life Insurance, so the only hishtadlus I can do while not violating the directives of my Rebbe is to join Areivim.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #707 on: May 30, 2021, 03:52:40 PM »
RTM doesn't allow enough characters for full explanation and suggestions.

If anything (trying not to veer to far from original poll, as flawed as it is), I think a poll should ask:

Do you financially protect your family?

1. Yes. I consulted with a professional who analyzed my situation and recommended the right amount of insurance.
2. Yes. I did my own research and bought at least $1MM of insurance.
3. Yes. I did my own research and bought less than $1MM of insurance.
4. I joined Areivim believing that this is a minimal hishtadlus to do for my family's dignity if something tragic happens.
5. I joined Areivim as an extra measure and as a way to give צדקה in a dignified way, but I primarily rely on Life Insurance for my family protection.
6. My Rebbe is opposed to buying Life Insurance, so the only hishtadlus I can do while not violating the directives of my Rebbe is to join Areivim.

If you want that poll up you’re welcome to start your own. If you want to change the poll in the OP, you’re welcome to contact to the OP and ask him to make those changes, because I don’t see a mod doing it for you.
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Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #708 on: May 30, 2021, 03:52:43 PM »
I need pics of a conversation I had a decade ago?

I need to defend a conversion you had a decade ago?
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #709 on: May 30, 2021, 03:53:42 PM »
I need to defend a conversion you had a decade ago?

No, you don’t need to do anything. But I’m going to voice my skepticism.

They used to have tons of information on their website, why did they take it all down?
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Offline aygart

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Re: Areivim USA - Coronavirus
« Reply #710 on: May 30, 2021, 03:55:13 PM »
Feelings don't care about your facts

Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #711 on: May 30, 2021, 03:57:02 PM »
No, you don’t need to do anything. But I’m going to voice my skepticism.

They used to have tons of information on their website, why did they take it all down?
https://web.archive.org/web/20180419093558/http://www.areivim.info/
When?
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #712 on: May 30, 2021, 04:00:53 PM »

What’s being claimed in this thread that future donors when the claim is made are the ones who will be Arevim. Until then you’re paying in as Tzedakah, and hoping the organization will be around if Ch”v a claim needs to be made.

I don’t think it was always represented this way, and I’m convinced there are members that would be surprised to see things presented the way I did.

They used to have two separate options, one for members and another for donors, though their website doesn’t seem to show that anymore.
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Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #713 on: May 30, 2021, 04:03:22 PM »
@AsherO How many years ago did you have this conversation?
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #714 on: May 30, 2021, 04:03:45 PM »
https://web.archive.org/web/20180419093558/http://www.areivim.info/
When?

In 2010, which is closer to when I came across them. Interestingly enough archive.org seems to have found their website redirecting to Google.com in 2013 and I wonder what that’s about.

But I’m not allowed to wonder, because they’re a charity doing good things.
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #715 on: May 30, 2021, 04:04:47 PM »
@AsherO How many years ago did you have this conversation?

Do you want just the date or the time as well? Maybe a full description of whom I’ve had it with and a verbatim transcript of what they said. I got a certain impression, and I’m not going to walk away from it because you said I should.
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Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #716 on: May 30, 2021, 04:05:42 PM »
Im a member since Jan 31, 2013 and never thought I signed up to LI

Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #717 on: May 30, 2021, 04:06:41 PM »
Im a member since Jan 31, 2013 and never thought I signed up to LI

That’s commendable.
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Offline aygart

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Re: Areivim USA - Coronavirus
« Reply #718 on: May 30, 2021, 04:06:45 PM »
What’s being claimed in this thread that future donors when the claim is made are the ones who will be Arevim. Until then you’re paying in as Tzedakah, and hoping the organization will be around if Ch”v a claim needs to be made.

I don’t think it was always represented this way, and I’m convinced there are members that would be surprised to see things presented the way I did.

They used to have two separate options, one for members and another for donors, though their website doesn’t seem to show that anymore.
Yes. That leads members to believe that there are areivim guaranteeing money to yesomim and that they can rely on that guarantee. I think it is a great tzedaka but that their marketing should be changed.
Feelings don't care about your facts

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Re: Areivim USA - Coronavirus
« Reply #719 on: May 30, 2021, 04:07:23 PM »
Yes. That leads members to believe that there are areivim guaranteeing money to yesomim and that they can rely on that guarantee.

Which is my concern. But others are saying I’m dumb for being concerned.
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