Insurance Products

TruStage™ Auto & Home Insurance Program

Exclusively for credit union members like you,  the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

MAH-1112-7C9E

This product is not federally insured by NCUA, is not an obligation of Total Choice FCU and is not guaranteed by Total Choice FCU

 

Gap Protection

Gap Protection covers the difference between the insurance settlement and the loan payoff, providing valuable protection against potential out-of-pocket dollars in the event of an insurance shortfall.

Benefits include:

  • Limited out-of-pocket expenses in the event of a total loss
  • Credit rating protection
  • Prevention of financial hardship
  • Vehicle replacement can be more affordable
  • Peace of Mind

 

Auto Warranty

2aeblackIn addition to offering new, used, and refinanced auto loans, we also offer Extended Vehicle Service Contracts through Vision Warranty Corporation for your auto, truck, or van. Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Vehicle Service Contract.

Buy an Extended Vehicle Service Contract for less than the cost at most dealerships and enjoy:

  • Coverage of most major components in the event of a breakdown
  • No-hassle Direct Payment: no reimbursement forms
  • A one-time premium that may be financed along with your vehicle

Put the brakes on expensive car repairs. A factory warranty may not be enough. Most major repairs occur after the manufacturer’s warranty expires. Consider adding an extended vehicle service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.

Available Features Include:

  • Low deductibles – options of $0, $50, $100 or $200 available
  • Coverage for vehicles up to 11 years old with up to 150,000 miles on the odometer
  • Bumper-to-Bumper Exclusionary Coverage on vehicles up 11 years old and with less than 100,000 miles
  • Toll Free Roadside Assistance
  • Toll Free Claims phone number
  • Trip Interruption Coverage
  • Increased vehicle resale value
  • Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
  • Claims are paid directly via credit card
  • Service contracts are valid in the U.S. and Canada

 

Why purchase an Extended Vehicle Service Contract?

Did you know that 81% of credit union members who purchase a service contract will have at least one mechanical breakdown? Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer’s warranty has expired. In addition, it could help if you re-sell your vehicle. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer of the vehicle decline the option to transfer your coverage, you can cancel and apply for a pro-rated refund.

How do you get an Extended Vehicle Service Contract?

Contact your credit union loan representative or call Auto Exam toll free at (800) 709-5792 or visit www.autoexam.com for more information on the Vision Warranty Program provided by Auto Exam.
Extended Vehicle Service Contract.

This program is insured by First Colonial Insurance Company or Northbrook Indemnity Company. (06/13)

This product is not federally insured by NCUA, is not an obligation of Total Choice FCU and is not guaranteed by Total Choice FCU

 

TruStage™ Life Insurance Plans

Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage.

Learn about this important coverage or call 1-855-612-7909 for more information.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

This product is not federally insured by NCUA, is not an obligation of Total Choice FCU and is not guaranteed by Total Choice FCU

 

LIFE-1112-C9B

$1000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours.

One of the nice benefits of credit union 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.

You can get $1000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates.

Sign up for your no-cost or additional protection today.

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

This product is not federally insured by NCUA, is not an obligation of Total Choice FCU and is not guaranteed by Total Choice FCU

Secure Your Loans with Credit Life and Credit Disability

MEMBER’S CHOICE® Credit Life & Disability Insurance helps give you the security of knowing repayment won’t be left to loved ones should something happen to you. ® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, 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 Group Policy for a full explanation of the terms.

Credit Life and Credit Disability benefits:

  • Immediate coverage for eligible members
  • Choosing the insurance that helps to give you peace of mind
  • Complements existing insurance

Ask your credit union Loan Officer for full benefits and details! If you prefer, please call 985-783-2130.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE

Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323.

License #:  619282

This product is not federally insured by NCUA, is not an obligation of Total Choice FCU and is not guaranteed by Total Choice FCU.