futuro mcb Credit Risk To protect our clients and manage the quality of our portfolio, Future mcb loans are insured. Our credit risk insurance cover; life insurance which protect the client and his family in the case of death, and funeral insurance to contribute to the funeral expenses of the deceased client. credit risk life insurance · Guarantees the payment of outstanding loan balance to the Bank; funeral insurance · Ensures a payment of 6,000.00 MT (six thousand meticais) in support of funeral expenses, which will be paid to the beneficiary(ies) identified in the loan contract of the deceased client.