The Derrama Magisterial (DM) has begun offering a number of services in accordance with the terms of its Statutes, and one noteworthy scheme involves providing credit to member teachers at a preferential rate of interest. Such credit, along with other types of investment, helps support the organization, and contributes above all to providing pension-related benefits to member teachers and their dependents. 

Outstanding credit must be deducted from pension payments, which in many cases used to be detrimental to dependents, who received a lower amount than originally estimated on the basis of the accumulated member account.

In light of this, it was decided that a mechanism should be established to help cover the risk of death and disability for member teachers who are up to date with their credit repayments. The mechanism came into being in the form of a Payment Protection Insurance Fund which enabled family members to be protected in the case of the death or total disability of the credit holder.