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Insurances

Insurance protection for what’s important

Different life stages mean different responsibilities. As those commitments build, grow and change, make sure to evaluate the insurance coverage you need to protect them. Some aspects of insurance can be complex, but you don’t have to be an expert. That’s why we’re here to help you with sound information and the tools you need to make the right decisions, and TruStage™ insurance products, are only available to credit union members.

As a member you’ll receive competitive rates, helpful guidance without sales pressure and quality products. Regardless of your budget, we can help make sure the protection you need makes sense. It’s all part of smart planning and caring about the aspirations and achievements of those who matter most.

We’ll help you understand all of your options so you can choose the one that is best for you and your family – whether it’s life insurance, auto insurance, home insurance and/or Long-term Care you’re looking into, we’re here for you.

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members.

TruStage™ is the marketing brand for the insurance offered through CMFG Life Insurance Company. The insurance offered is not federally insured or guaranteed or sold by your credit union.

TruStage™ Accidental Death and Dismemberment (AD&D)

Accidents Can Happen. We Want You to Be Prepared.

To help you protect the people who matter most in your life, we endorse TruStage™ Accidental Death and Dismemberment (AD&D) Insurance from CMFG Life Insurance Company. AD&D pays a cash benefit in the event of a covered injury or death due to an accident.

Benefits can include:

  • A hospital benefit—helps pay for hospital stays
  • Inflation protection—coverage increases 5% every two years up to 25% total at no cost to you
  • Education assistance—helps pay college expenses for children or spouse
  • Childcare assistance—helps provide childcare coverage

AD&D insurance can supplement your life insurance. And, it’s easy to get:

  • Acceptance is guaranteed for credit union members age 18 and over
  • No physical examination or health questions

Call for your FREE, no obligation quote toll-free at 1-855-612-7910 (Monday – Friday 7 am - 9 pm CST, Saturday 8 am – 4 pm CST) or click here for more information.

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members.

TruStage™ is the marketing brand for the insurance sold through CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from CMFG Life Insurance Company. Products may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations.

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TruStage™ Life Insurance Policies

Protection for the special people in your life.

Exclusively for credit union members, we offer TruStage™ Life Insurance Policies to help you protect the people who matter most in your life. We offer both Term and Whole Life Insurances:

Guaranteed Term Life Insurance

Right now you have the opportunity to help protect the special people in your life. This Guaranteed Term Life Insurance to age 75 pays an income-tax free cash benefit directly to your loved ones.

As an eligible credit union member (age 45 – 69), your acceptance is guaranteed. No physical exam or long questionnaires.

All your benefits are guaranteed

  • Guaranteed acceptance – eligible members cannot be turned down, regardless of your health.
  • Guaranteed spouse coverage – your eligible spouse age 45 – 69 can apply (even if you don’t).
  • Guaranteed rate – no increase for the life of your policy.
  • Guarantee benefits – benefits never go down, regardless of failing health or increasing age.
  • Guaranteed satisfaction – if you’re not completely satisfied, you can cancel your policy anytime. And, if you cancel within the 30-day* review period, we’ll give you a full refund.

Call toll-free at 1-855-612-7909 (Monday – Friday 7 am – 9 pm CST, Saturday 8 am – 4 pm CST) for more information or click here.

TruStage™ Whole Life Plan

You can now apply for additional TruStageTM Whole Life Plan and receive these benefits…

  • Lifetime Protection
  • No Physical Exam Required
  • No Waiting Period
  • Pre-Birthday Rates
  • Easy to Apply

Call toll-free at 1-855-612-7909 (Monday – Friday 7 am – 9 pm CST, Saturday 8 am – 4 pm CST) for more information or click here.

TruStage™ is the marketing brand for Life insurance issued by CMFG Life insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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TruStage™ Auto Insurance Program

You could save on your car insurance.

You want quality protection you can depend on and at rates you can afford. On average, credit union members who switch save up to $343.90* a year with the TruStage™ Auto Insurance Program. Some members save even more from all of the discounts offered. Plus you will have access to extra benefits, such as 24/7 claims service and 24-hour Roadside Emergency Assistance coverage.**

Call for your FREE, no obligation quote toll-free at 1-888-380-9287 (Monday – Friday 7 am 1 am EST, Saturday 7 am – 11:30 pm EST, Sunday 9 am – 10 pm EST) or click here for more information.

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members.

TruStage™ is the marketing brand for the Auto Insurance Program made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

* Figure based on a February 2011 national sample of auto policyholder savings when comparing their former premium with those of the TruStage Auto Insurance Program. Individual premiums and savings will vary depending on your insurance carrier and coverages and limits purchased.

** Optional coverage. Requires the purchase of Towing and Labor coverage to cover cost of towing. Subject to policy limits. Emergency Roadside Assistance available anywhere in the U.S. and Canada.

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TruStage™ Home Insurance Program

You could save on your home insurance.

Whether you live in a house or a high rise, you want reliable insurance protection at rates you can afford. The TruStage™ Home Insurance Program is only available to credit union members. This TruStage program offers a variety of discounts, personalized service and fast 24/7 claims service (including holidays). You can even get Identity Theft protection— all at a price you can afford.

Call for your FREE, no obligation quote toll-free at 1-888-380-9287 (Monday – Friday 7 am 1 am EST, Saturday 7 am – 11:30 pm EST, Sunday 9 am – 10 pm EST) or click here for more information.

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members.

TruStage™ is the marketing brand for the home insurance program provided and underwritten by leading insurance companies, including Liberty Mutual Insurance Company and affiliates, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Protections

Newly purchased vehicles depreciate rapidly the moment they’re driven off the dealer’s lot; unfortunately, loan balances don’t diminish as quickly. And thanks to extended auto loan durations and keeping vehicles longer, the likelihood that you will experience a costly, major repair is greater than ever. But with Guaranteed Asset Protection Plus and our Mechanical Repair Coverage, we can help provide you the protection you need when owning your vehicle.

Member's Choice™ Guaranteed Asset Protection Plus (GAP Plus)

Our enhanced GAP program just got better!

Our enhanced GAP program just got better! It's called Member's ChoiceTM Guaranteed Asset Protection Plus (GAP Plus), and was created to help protect your vehicle loan. Did you know that many times primary auto insurance settlements don't pay off your loan balance? When you purchase a new or used vehicle, there's no way to know if it will be stolen or totaled in an accident. With GAP Plus, you're protecting your vehicle investment against a possible financial loss.

You'll find our GAP Plus is:

  • still much more affordable than what the dealers sell it for
  • offered on Power sports, Watercrafts and RVs
  • accessible to purchase anytime during the life of the loan
  • now available on loans up to 84 months
  • 90 DAY FREE LOOK; you have 90 days (from enrollment date) to cancel protection and receive a full refund with no cancellation fee

Plus, if your vehicle is stolen or totaled in an accident, it will cancel $1,000 of your next Providence Federal Credit Union loan, when you purchase a replacement vehicle within 60 days of the primary insurance settlement.

Give our loan officers a call at (503) 215-6090 or toll-free at (888) 849-5189 for complete details. Protect yourself for the unexpected today!

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICE™ Guaranteed Asset Protection Plus. If you choose GAP Plus, adding the product fee to your loan amount will increase the cost of GAP Plus. State chartered credit unions FL, GA, IA, RI, UT, VT: You may choose MEMBER’S CHOICE™ Guaranteed Asset Protection Plus with or without a refund provision. State chartered credit unions CO, SC: Only a refund provision is available. Prices of the refundable and non-refundable products are likely to differ. If you choose either product and cancel within the first 90 days, you will receive a full refund. If you choose a refundable product, you may cancel at anytime during the loan and receive a refund of the unearned fee calculated by the actuarial method. You will receive additional information before you are required to pay the fee for this product.

Member's Choice™ Mechanical Repair Coverage (MRC)

Protection you need for those unexpected moments

You can’t choose when your vehicle breaks down, but you can choose to lessen your financial burden and inconvenience when it does. MEMBER’S CHOICETM Mechanical Repair Coverage pays for covered repairs (cost of parts and labor) on your vehicle when unexpected breakdowns occur.

It’s Your Choice

You know how long you want to keep your car, how many miles you plan to drive it, plus your other driving habits. It only makes sense that you choose the mechanical repair plan and terms of protection that are right for you without having to revert to “mile zero” or the “in-service” date on your vehicle. In addition, you may purchase your coverage at any time as long as your vehicle is 10 years old or newer with 100,000 miles or less. Once you select your plan, you’re immediately covered!

Choice of deductibles to fit your needs:

  • Deductible is per repairs visit
  • Platinum and Gold Plan deductible options: $0, $100, $250
  • Silver Plan deductible options: $100, $250

For complete details on each of our Plans (Platinum, Gold and Silver), please click here.

Benefits and coverage:

  • Good at any authorized, licensed repair facility in the U.S. or Canada.
  • Transferable: (when sold to a private party/owner).
  • Cancelable: receive a full refund within 60 days or a pro-rated refund thereafter less a nominal administrative fee.
  • Provides add-on term/add-on miles
  • No out of pocket expenses (except for any applicable deductible) the covered repair is paid directly by the plan.

The Plan also includes:

  • Rental Reimbursement up to $35 per day for up to five (5) days (or 10 days for a parts delay) from day one.
  • 24-hour, toll-free roadside assistance up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
  • Covers emergency travel reimbursement up to $500 for lodging, meals and rental expense when a covered breakdown or collision occurs more than 100 miles from home.
  • 60 day "trial offer" period.

Please contact our loan department at (503) 215-6090 or toll-free at (888) 849-5189 to review each plan and they'll be happy to provide a quote.

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU 001-MBI) it is underwritten by Virginia Surety Company, Inc.

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Life Insurance Plans…

for every chapter of your life

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