There are a number of factors to consider when determining your insurance needs. The goal is to protect you and your family from financial devastation should the unexpected occur. Your income, field of employment, whether you have children or not, and a host of other factors are all considered to determine the risks you can absorb on your own and the insurance you need to cover the risks you can’t. We offer the following products to meet your needs:
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Members Choice® disability and term life protection will cover your monthly loan payment if you become disabled due to a covered illness or injury. Payments will continue until you are able to work again, the loan is repaid or you reach the policy maximum.
Members Choice® term life protection will cover some or all of your eligible loan balance should you die before the loan is paid.
Enroll in disability and term life protection during the loan application process. For your convenience, the premium is rolled into your loan payment. Coverage is immediate and no medical screening is needed.
Fill in the gap on your next vehicle loan with Member’s Choice™ Guaranteed Asset Protection (GAP) coverage. GAP coverage will pay the difference between your loan balance and your insurance settlement if your vehicle is stolen or damaged beyond repair in an accident. It also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by our credit union).
Sign up for GAP coverage when you apply for your vehicle loan. It costs just a few dollars a month and is fully refundable if you cancel the coverage within the first 90 days.
Member’s Choice® Mechanical Repair Coverage (MRC) helps cover unexpected repairs to your car. The MRC plan includes 24-hour roadside assistance, towing, emergency travel expenses and rental reimbursement. The coverage can be used in conjunction with your manufacturer’s warranty and can also be purchased after your warranty period expires.
The MRC plan pays for parts and labor for any covered repair. You can choose to pay a deductible amount of $0, $50, $100 or $200. The plan also includes:
Contact the credit union to add MRC to any vehicle. The MRC plan can be used at authorized automobile dealers or repair facilities in the United States and Canada. You may transfer the plan if you sell your vehicle to a private party and you may cancel it at any time and your payment will be prorated.
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