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Insurance Services Your credit union is committed to creating financial security for all members. That means offering insurance to help you protect your family's future as well. Credit Disability This insurance is member elective and premiums are added back to your loan. CDI makes payments to the credit union to reduce or pay off your loan if you are disabled by sickness or accident. Coverage is available for both conventional and open-end loans. Sign up for Credit Disability Insurance when you sign for your loan or open-end loan plan. Credit Life/Credit Disability Insurance For a low monthly fee added to your loan, credit life/disability insurance pays the insured balance of your loan, up to the policy maximum. In the event of your death, benefits are paid to your credit union to pay off the balance of your loan. If the benefits are more than the balance, the difference will be paid to your beneficiary named by you, if any, or to your estate. In the event you become totally disabled by sickness or an accident, credit disability insurance pays your loan payments up to the policy maximum. The insurance contains certain benefit maximums and certain benefit exclusions. Ask your loan officer for full policy details on your next visit. This insurance product is provided by the companies of the CUNA Mutual Group (www.cunamutual.com) CUNA Mutual Insurance Society, a member company of the CUNA MUTUAL GROUP, underwrites this product.  Mechanical Breakdown ProtectionDid you know that one in three vehicles experience a mechanical failure in a given year? The typical warranty owner will make several claims during the life of their agreement. Should your vehicle experience a failure after the manufacturer's warranty expires, without an extended warranty you will have no protection from the unexpected repair costs that can be in the thousands of dollars! Vehicles today are growing extremely complex and contain high-tech sensors, electronics and computers that frequently suffer unexpected failure and need to be replaced. While engines and transmissions are more reliable than ever, it's these other sophisticated parts that frequently fail. As vehicles become increasingly more complex, associated repair costs rise dramatically! Click here for an Online Quote for Coverage. GAP Protection Are you financing or leasing your car, light truck, or SUV? Did you know that if it's totaled or stolen, YOU COULD FACE A FINANCIAL RISK that your auto insurance policy may not cover? Guaranteed Asset Protection (GAP) coverage protects you against this risk! In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a DEFICIENCY OF SEVERAL THOUSAND DOLLARS THAT YOU'RE LIABLE FOR! What is the "GAP" on your vehicle? You may be surprised at the answer! Click here for an Online Quote for Coverage. |
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