Protection Products

Insurance

You've worked hard to build a solid financial footing for you and your family, so you want to be sure that everything is protected. Accidents and disasters can and do happen, and if you aren’t adequately insured, it could leave you in financial ruin. You need insurance to protect your family and your most valuable assets.  

Credit Life/Disability

In today’s economy, safeguarding your finances is a great idea because all it takes is a single accident or illness to ruin your financial well-being. Protecting your loan payments against unexpected and covered life events and disability could help protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow. Both of these insurance coverages are optional and won’t affect your loan approval.   

How can Credit Life/Disability help you and your family?

  • Your loan payments are reimbursed while you are unable to work due to any covered accident or illness (up to the policy limit)

  • You don’t have to be hospitalized to be covered.

  • Payments made on your behalf do not have to be repaid and they are not taxable. 

  • Coverage becomes effective on the date of your loan.

  • The cost is not rated according to occupation or age. Benefits are based on the amount financed and your loan payment.

  • The premium is included in the monthly loan payment.

  • The benefits are paid regardless of any other protection you may already have.

  • Credit Life will pay off your vehicle (up to the policy limit) in the event of your death which assures that your family can inherit an asset, rather than a debt that has to be paid.

Extended Warranty (Mechanical Breakdown Insurance)

Whether you’ve just purchased a new vehicle or have been driving one for a few years, factory warranties are extremely limited and often do not cover critical mechanical and electrical car parts as the car ages. Plus, most major repairs occur after the manufacturer warranty expires. If you are like most consumers, you’re keeping your cars longer and repair costs keep rising. The miles can add up but the repair cost don’t have to. Don’t get stuck with a repair bill. Instead, make sure you’re covered with an extended warranty policy from the credit union.

The extended warranty provides you peace of mind knowing you are protected against certain costly repairs and includes additional valuable benefits such as:  

  • 24-Hour Roadside Assistance

  • Rental Vehicle Reimbursement

  • Trip Interruption Reimbursement

  • No Limit on Claims

  • Direct Payment to Repair Facility 

GAP Advantage (Guaranteed Asset Protection)

Say you get into an accident and total your car. Or maybe your vehicle is stolen and not recovered. You have insurance. So you should be covered, right? Think again. You may be responsible for more than you think. You'd be surprised to know that most insurance companies will only cover the cash value of a vehicle and the remaining balance will be your responsibility. United Energy Credit Union wants to protect you from this risk with guaranteed asset protection (GAP).

GAP covers the difference between what your insurance company is willing to pay and the remaining balance on your loan payoff, subject to policy limits. This includes your insurance deductible up to $1,000. GAP Advantage has an additional benefit — $1,000 towards the down payment of your replacement vehicle if financed through United Energy Credit Union. GAP Advantage gives you a comprehensive solution to keep your biggest assets and investments protected. Don’t let a wrecked vehicle wreck your finances.   

Home/Auto Insurance

The TruStage Auto & Home Insurance Program offers competitive savings for credit union members. You could save hundreds on car insurance, some members could save even more from all of the discounts offered including:

  • Credit union member discount

  • Multi-car discount

  • Vehicle safety features discount

  • Good student discount

  • Accident forgiveness

TruStage offers great values on home insurance too! Coverage you can count on. TruStage products and programs are made available to credit union members through TruStage Insurance Agency. Affiliates of TruStage have been providing insurance and financial services designed for credit unions and members for more than 80 years, serving more than 19 million credit union members.

Call 888.994.3436 today and see why so many credit union members have already switched! A a licensed agent is ready to help you find the right insurance. Friendly, helpful advice with no sales pressure. And it is easy to switch.   

To get a quote online click here.