Subscribers who apply and fulfill the necessary conditions will benefit from funds that will be provided by RIBS to support their businesses. This can be in form of a 100% interest-free loan or outright benefit to beneficiary. The amount will range from Fifty thousand to Twenty-five Million (₦50, 000 - ₦25 million) Naira for fifty to five hundred (50 – 500) subscribers annually. To access this benefit, a subscriber MUST have been Active continuously for a minimum of twelve (12) months and remain active after receiving the benefit.

Students who are subscribers upon applications can receive financial support from Fifty thousand to Twenty-five Million (₦50, 000 - ₦2 Million) Naira for fifty to one thousand (50 - 1,000) persons annually. This benefit is accessible after a minimum of twelve (12) months of being consistently active on the scheme. However, parents or guardians can open subscription accounts in the name of their children or wards and continue to subscribe on their behalf in order for them to receive education support benefit.

A Subscriber, upon notification/application to RIBS shall be entitled to this benefit for any verifiable and established hospital surgery bill above two hundred and fifty thousand (₦250,000) Naira but not exceeding one million two hundred thousand (₦1.2 Million) Naira. This benefit is accessible after a minimum of one (1) year active subscription. This benefit shall carter for one to three hundred (1 – 300) subscribers whose applications are successful.

Loyalty benefit is meant for subscribers after twenty-four (24) months of uninterrupted subscription. The amount to be benefited ranges from One hundred thousand to one million (₦100, 000 - ₦1 million) for ten to five hundred (10 – 500) persons. Beneficiaries are chosen through an internal audit protocol of the RIBS system.

This is a unique type of benefit where subscribers who are already active on the RIBS scheme and having a pay job, apart from their normal subscription have the option to activate the Job Loss Benefit subscription and consistently recharge this unique subscription at regular intervals using five percent (5%) of their monthly income for a minimum of three (3) years. Job Loss Benefit only covers for income earners whose monthly basic salary or income is below two hundred and fifty thousand (₦250,000.00) Naira.

When a subscriber to the Job Loss Benefits loses his/her job, he/she would be compensated monthly with fifty percent (50%) of the monthly basic salary of the job he/she lost for twelve (12) months.

Under this Benefit, a subscriber who owns a vehicle stands to benefit from the yearly Vehicle trade-in, which involves subscribers trading in their old but serviceable vehicles for any of the one to fifty (1 – 50) brand-new vehicles that will be provided by RIBS annually. Benefit from this scheme will be by application. To qualify for this benefit, the subscriber must be active on the scheme for a minimum of two (2) years and MUST continue after receiving the benefit.

This benefit is meant for subscribers under an organized umbrella or group based on stipulated understanding with RIBS management and the organization.

Five to two hundred and fifty (5 – 250) subscribers who have been on the scheme for a minimum of 24 months will be beneficiaries. This benefit ranges from one million to thirty million (₦1 million to ₦30 million) Naira. This benefit can be used for land acquisition, payment for Certificate of Occupancy and purchase of properties including Houses and vehicles or businesses.

This benefit avails students (Nigerians) who have secured admission into tertiary institution in Nigeria the opportunity to pay their tuition throughout the period while they are schooling by granting them access to interest free repayable loan which is only payable six (6) months after such a beneficiary finishes youth service. The repayment shall be in instalment. The amount to be benefited ranges from fifty thousand to two million (₦50, 000 - ₦2 million) Naira for one to five hundred (1 – 500) Students per annum.

Beneficiaries would be given a six-month grace period after youth service before commencement of repayment becomes mandatory. Prospective beneficiary must have been consistently active on RIBS for two (2) years and shall remain active after receiving the benefit and during repayment. Only First-degree applicants are to be considered.

This is another unique type of benefit where subscribers who are already active on the RIBS scheme, having a pay job and looking forward to retiring, apart from their normal subscription have the option to activate the Retirement Benefit subscription and consistently recharge it at regular intervals using five percent (5%) of their monthly income for a minimum of five (5) years. The Retirement Benefit only covers for income earners whose monthly basic salary or income is below two hundred and fifty thousand (₦250,000.00) Naira.

In the case where a subscriber meets up with the terms and condition for receiving the retirement benefit, he/she would be paid monthly with fifty percent (50%) of the monthly basic salary of the job he/she retired from, for twenty-four (24) months.