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Debt Protection

Life often has plans of its own and when the unexpected happens, you’ll want to be prepared.

Protecting your loan balance or loan payments from life events such as loss of life, disability or involuntary unemployment helps to safeguard your family’s financial future.

Need to submit a claim? We're here to help.

We're here for you in your time of need. If you have payment protection on your loan, our quick and easy claims process can help.

If you prefer, call 1-800-621-6323 to begin the process and a TruStage™ Claims Specialist will guide you through the process.1

Debt protection options

Compare the benefits of our Flex-Credit Protector2 packages and choose the one that best protects you and your family.

LifePlus Only

Life Plus
Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*

Disability
Not Applicable

Involuntary Unemployment
Not Applicable

Disability & Unemployment

Life Plus
Not Applicable

Disability
Payment Cancellation
Accident & Sickness
30-day Elimination Period (30NR)

Involuntary Unemployment
Payment Cancellation
30-day Elimination Period (30NR)

LifePlus & Disability

Life Plus
Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*

Disability
Payment Cancellation
Accident & Sickness
30-day Elimination Period (30NR)

Involuntary Unemployment
Not Applicable

LifePlus, Disability & Unemployment

Life Plus
Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*

Disability
Payment Cancellation
Accident & Sickness
30-day Elimination Period (30NR)

Involuntary Unemployment
Payment Cancellation
30-day Elimination Period (30NR)

Disclosures

1. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER’S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company.

2. Your purchase of Flex-Credit Protector 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 Flex-Credit Protector.

* Applies to Death, Terminal Illness and Accidental Dismemberment

** Applies to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent

We're here to help.