Insurance & Protection
We're pleased to offer our members excellent benefits and options for saving money on things they likely already use! Check out these great ways UCU helps provide you additional benefits, just for being a member.
As a benefit for being a UCU member, you get $4,000 of TruStage accidental death and dismemberment insurance available to you at no cost. You read that right, just for being a member! This no cost coverage, fully paid for by UCU, is underwritten by CMFG Life Insurance Company.
UCU works with TruStage Insurance Agency and CMFG Life Insurance to offer members Life Insurance and AD&D coverage, and can help you find a policy that meets you and your family's needs.
Life Insurance
The coverage you need for your family only works if it's affordable. TruStage will explain the differences between term and whole life insurance, work within your budget and help you make a good choice for you and your family.
AD&D Insurance
This can be a valuable and affordable supplement to life insurance and pays a cash benefit in the event of a covered injury or death due to an accident. Complimentary no-cost coverage is offered by UCU, and choice benefit amounts are also available.
Click here to learn more about TruStage insurance or call toll free: 1-855-612-7910.
There's nothing like the feeling that you can handle anything that comes your way. TruStage Insurance products & programs help you get there. They're made available through the companies of the CUNA Mutual Group, working with America's credit unions and credit union members like you since 1935.
At UCU we understand that protecting your family is important to you. Protection means more than safety; it means making sure your family is taken care in the unanticipated event of death, disability or involuntary unemployment. For more information on our programs, please contact a UCU Consumer Loan Originator.
Expect the Unexpected
You never know what life will throw your way, so it is best to be prepared for all scenarios. We offer debt protection products that cover your loan so you can can stop worrying about what could happen, and instead focus on enjoying what matters most!
Debt Protection
Protecting your debt obligations against death, disability, or involuntary unemployment could help protect your finances and your family.
| DEBT PROTECTION | |||
| Protecting your debt obligations against death, disability, or involuntary unemployment could help protect your finances and your family. | |||
| In the event of... | Death | Disability | Involuntary
Unemployment |
| What happens... | Protected borrower passes away. | A covered disability occurs due to injury or illness. | A covered job
loss occurs. |
|
It cancels this... up to the contract maximums |
Your payments or loan balance. | Your loan
payments. |
Your loan
payments. |
| You may be eligible if you... | Have an eligible loan. | Are a permanent employee who is actively working.* | Are a permanent employee who is actively working.*
Are honorably discharged. |
| *Refer to the member agreement for a full explanation of terms and conditions. | |||
Peace of Mind
One of the greatest benefits of protecting your loan is the peace of mind knowing you're covered in case of an unfortunate event. If you're unsure about what type of protection is best for you, we can help!
Learn More Today!
To learn more about our loan protection products, contact our Consumer Loan Originators by emailing or calling 800.696.8628.
Adding Coverage to an Existing Loan?
To add coverage to an existing consumer loan, contact our Loan Operations department by emailing or calling 800.696.8628.
Protection when it matters… We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of Life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form by clicking here.
If you prefer, call 1.800.621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its
subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union
and MEMBER'S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company.
Shopping for insurance can be a lengthy and complicated process. Learning what to consider and how to avoid bad deals when deciding an insurance is key to finding an insurance that works best for you. This training will teach you the different types of insurance, help you realize a deductible and premium you can afford, as well as provide questions you should ask before buying insurance.
Click here to access everything you need to know about shopping for insurance.
