Protect yourself and your family during life’s unpredictable moments. From accident insurance to loan insurance, insure your investment today so you can worry less about your tomorrows.
One of the nice benefits of UHFCU membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.
$2,000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours.
- $2,000 of FREE coverage by enrolling
- Enroll in minutes
- Guaranteed acceptance
- Additional affordable plans up to $300,000 in coverage
TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. ADD-1112-225E
Life is unpredictable. Protect yourself and your family with our Debt Protection Program.
Unexpected life events are inevitable, and for many may lead to unfortunate financial situations. With the UHFCU Debt Protection program, benefit from the peace of mind knowing you and your family are protected during times of hardship.
Under the Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. Safeguard your family and your future today.
Availability and Plan Options
Debt Protection is available for closed-end consumer loans, open-end consumer loans, consumer lines of credit, and credit cards. Choose from the plan options listed below:
Definitions of Coverage
- Death – Give your family time to get back on their feet financially.
- All Plans: Cancel the remaining loan balance as of date of death (up to $75,000).
- Disability – Help avoid bills piling up as you try to regain your health and earning capacity. Use this benefit as a supplement to any disability coverage you may have at work.
- Plans 2 and 3: Cancel up to 12 payments per occurrence (aggregate maximum of $15,000, up to $1,000 per month).
- Involuntary Unemployment – Ensure your loan payment will be taken care of as you search for new employment.
- Plan 3: Cancel up to 6 payments per occurrence (aggregate maximum $15,000, up to $1,000 per month).
Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. There are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.
GAP (Guaranteed Asset Protection) Advantage
Protect the value of your vehicle with GAP Advantage. GAP Advantage covers the “gap” between the vehicle’s value and the amount you still owe in the event your vehicle is stolen or totaled in an accident. Call or visit to learn more.
Mechanical Breakdown Protection
A comparable, more affordable version of your auto dealer’s extended warranty, Mechanical Breakdown Protection by Mercury extends coverage to virtually all mechanical and electrical components of your vehicle. Call or visit to learn more.
The institution clearly puts a priority on service to its members. There is a sense of shared interest, shared benefit and value. Were all in it together, shows in the demeanor and service.- UHFCU Member
Available Coverage Cost
Plan 1: Death $0.75 per $1000 of monthly loan balance Plan 2: Death, Disability $2.25 per $1000 of monthly loan balance Plan 3: Death, Disability, Involuntary Unemployment $3.75 per $1000 of monthly loan balance
Why is Accident Insurance important?
If a serious accident occurs, AD&D could help your family in its time of need. With AD&D Insurance coverage, they may have the funds to help handle bills and debts, maybe even pay off the mortgage. It can also be an affordable supplement to any life insurance you may have. It doesn’t cost a lot. But if you ever need it, it could be priceless.
Where can I find more information on Accident Insurance?
Visit www.trustage.com for more information.
Is buying Debt Protection required for a loan?
No. Debt Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.
Why should I consider buying Debt Protection?
There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. Loan Insurance safeguards your family against these types of events to ensure loan payments can be made on time. Under the Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected – and most importantly – that your family is protected.
- Why is Accident Insurance important?