You know you should have a comprehensive, cost-effective network of coverage, but what you need and how much can be confusing.
Most people need to be concerned with insuring four areas: their possessions, their life, their health and their finances.
MEMBER’S CHOICE® Credit Disability and Credit Life Insurance There is no way anyone can predict an injury, medical-related illness or an unexpected death, but you can take steps along the way to make sure your family is protected if the unforeseen were to happen. MEMBER’S CHOICE Credit Disability and Credit Life Insurance helps pay your loan so you and your loved ones don’t have to.
How does it work?
The premium is included in your monthly payment. If you have a balance on your loan and are totally disabled due to injury or illness, or in the event of an unexpected death, MEMBER’S CHOICE Credit Disability and Credit Life Insurance can help. By taking a few simple steps while signing your loan paperwork, you’re helping take responsibility for your family’s financial future. Your loan officer can show you how. You won’t receive extra bills or statements because everything is included in your monthly payment.
You can cancel within the first 30 days for a full refund or at any time after that if you change your mind. If at any point you have questions, of if your family needs to file a claim, simply contact your credit union. Once you complete the loan documents, coverage begins for eligible borrowers.
Why is it valuable?
MEMBER’S CHOICE Credit Disability and Credit Life Insurance works in two different ways. You and your family won’t have to make loan payments if you’re totally disabled due to an injury or medical-related illness. It will help pay your loan until you’re fully recovered. In the event of an unexpected death, it will pay off the loan. Savings, salary or payoffs from other life insurance may be protected, giving your family financial freedom when they need it most.
Visit Central Maine Credit Union or call 207-777-6202 to learn more or to enroll today.
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® 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 Policy Agreement for a full explanation of the terms.
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What is Pet Insurance?
Pet insurance is health insurance for dogs and cats. It reimburses you for costly veterinary bills
allowing you to focus more on the health of your pets and less on how you’re going to pay for it. Since
pet insurance is done on a reimbursement basis, there’s no provider network, meaning you can go to
any licensed vet of your choice.
PetPartners Plans
PetPartners’ policies are customizable. You can choose your own coverage and own limits to create a plan that fits your
individual needs and budget. First, select a base plan: accident or accident & illness. Then choose to add endorsements to
increase your coverage. Pick your deductible and coverage limits to create your personalized plan!
What Does It Cover?
1. Pet insurance allows you to make decisions about your pet’s health without worrying about the cost of treatment.
2. Pet insurance alleviates some of the financial burden of owning a pet allowing you to take better care of your pets.
3. Pet insurance gives you peace-of-mind knowing you can meet your pet’s healthcare needs.
Apply for Pet Insurance for your Furry Friend in Minutes!
Credit unions like ours make TruStage insurance programs available because they?re founded in value, honesty and knowledgeable support. The companies behind TruStage were formed by credit unions, for credit unions and their members. As part of your financial planning, we invite you to discover how these products and programs might be right for you.
Accidental Death and Dismemberment (AD&D) Insurance$4000 of TruStage? Accidental Death and Dismemberment Insurance Coverage Is Yours.
One of the exclusive benefits of your credit union membership is access to TruStage insurance products. In fact, our credit union makes an Accidental Death and Dismemberment (AD&D) policy available at no cost for our members. AD&D insurance provides benefits for accidental death and covered permanent injuries which result from accidents.
As a member of our credit union you automatically qualify for this no-cost coverage, but you must activate it first.
In addition to your complimentary coverage, you can also add more coverage if you like. Why? Because an accident that causes death or permanent injury could have a lasting financial impact on your family. For more information, go to www.TruStage.com/ADDcoverage.
Use the FastApply AD&D process at www.TruStage.com/ADDcoverage to activate your no-cost coverage in three minutes or less or apply for additional coverage. You can also call 1-800-798-8798. There?s no cost or obligation.
TruStage? Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
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To view the video, click on this image.
For more details about TruStage Auto Insurance, click here.
National Credit Union Share Insurance Fund
Here are examples for ways you can structure accounts to increase coverage:
| Husband and Wife | $2,000,000 |
| Individual Account of Husband | $250,000 |
| Individual Account of Wife | $250,000 |
| Joint Tenancy with right of survivorship: | |
| Husband and Wife | $500,000 |
| Revocable Trust Accounts: | |
| Husband as Trustee for Wife | $250,000 |
| Wife as Trustee for Husband | $250,000 |
| Individual Retirement Accounts: | |
| Husband | $250,000 |
| Wife | $250,000 |
| Grandparent and Two Grandchildren | $250,000 |
| Individual Accounts: | |
| Grandparent | $250,000 |
| Grandchild #1 | $250,000 |
| Grandchild #2 | $250,000 |
| Joint Tenancy with right of survivorship: | |
| Grandparent & Granchild #1 | $250,000 |
| Grandparent & Grandchild #2 | $250,000 |
| Grandchild #1 & Grandchild #2 | $250,000 |
| Revocable Trust Accounts: | |
| Grandchild #1 with Trustee Grandparent | $250,000 |
| Grandchild #2 with Trustee Grandparent | $250,000 |
| Individual Retirement Accounts: | |
| Grandparent | $250,000 |
Individual Retirement Accounts, Keough and Deferred Compensation Accounts are insured separately up to $250,000 from other accounts that a member maintains at the same credit union. The Emergency Economic Stabilization Act of 2008 increased the insurance coverage on all accounts up to $250,000. Enactment of the Dodd-Frank Reform and Consumer Protection Act (Dodd-Frank Act) on July 21, 2010, made the $250,000 standard maximum share insurance amount (SMSIA) permanent as of September 2, 2010.