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DEBT PROTECTION PLANS

NIHFCU Loan Guardian
Debt protection to help your family and erase your NIHFCU auto, signature and credit card debt.

Life can get complicated when unexpected things happen. NIHFCU’s Loan Guardian Debt Protection can protect your loan auto, signature and credit card payments against:

  • Death
  • Disability, or
  • Involuntary Unemployment

This protection could:

  • Cancel your loan balance or payments up to the contract maximums.
  • Protect your loan payments today so you can worry a little less about tomorrow.

Purchasing protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain the loan.

use our debt protection calculator to get a quote.

Button Learn More speak to your loan officer, or call 800.877.6440.

Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of terms and conditions of the NIHFCU Loan Guardian Debt Protection program. You may cancel the protection at any time. If you cancel within 30 days you will receive a full refund of any fee paid.



VEHICLE PROTECTION AND REPAIR COVERAGE PLANS

Guaranteed Asset Protection (GAP)
Help protect your NIHFCU vehicle loan in case of theft or total loss accident.

If your vehicle is stolen or totaled in an accident, many times primary auto insurance settlements don’t pay off your loan balance. In such an incident, our GAP Plus coverage may help pay the difference between the amount covered by insurance and the amount still owed on your vehicle loan.

  • Provides coverage of your vehicle for the full length of your NIHFCU vehicle loan.
  • Great low rates! Just $375 * for motor vehicles and $324 * for motorcycles.
    You may pay twice as much or more for GAP through your dealer or another lender.
  • Easy payment options. Pay full amount in one lump sum or include in your monthly loan payment.
  • If your vehicle is stolen or totaled, GAP Plus will also cancel $1,000 of your next NIHFCU auto loan, when you purchase a replacement vehicle within 60 days of your primary insurance settlement.
  • Cancellable for a full refund within 90 days after enrollment.
use our GAP Payment calculator

Button Learn More or speak to your loan officer, or call 800.877.6440.

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) 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 GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. GAP-1062538.1-1114-1216

*As of December 1, 2014; subject to change without notice at any time

MEMBERS CHOICE ® Mechanical Repair Coverage (MRC)
Peace of mind to deflect some risk of costly repairs, & keep your vehicle running extra miles and years.

The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous. With different coverage levels and deductibles to choose, we have three MRC plans available to fit your family's budget.

Benefits of the program are*:

  • Good at any repair facility in the U.S. or Canada.
  • Rental reimbursement: up to $35/day for 5 days (up to an additional 5 days for a verifiable parts delay) from day one.
  • 24-hour emergency roadside assistance: up to $100/ occurrence. Includes towing, battery jump, fluid delivery, flat tire and lock-out service.
  • Travel reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.
  • Cancellable for a full refund within 90 days after enrollment.
  • Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee.

MRC is available to all NIHFCU members – with or without an NIHFCU auto loan.

use our MRC calculator  to get a quote.

Button Learn More speak to your loan officer, or call 800.877.6440.

* Programs vary by state.

MEMBERS CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in FL, LA, OK and WI where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60032) and in TX, where the Obligor and Administrator is Consumer Program Administrators, Inc., doing business as The Administrators of Consumer Programs; and in WA where the Obligor and Administrator is National Protection Care Company, 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 CA where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc.

MRC-1613248.1-1016-1118 © CUNA Mutual Group 2016, All Rights Reserved


INSURANCE AND COVERAGE OPTIONS FOR AUTO, HOME, LIFE, HEALTH

AUTO Insurance
Discounted rates just for credit union members from leading carriers.

Credit union members could save up to $519.52* on car insurance.

How much could you save on car and home insurance through the TruStage Auto & Home Insurance Program?

It’s easy to get your fast, free and no-obligation quote today.

Click here to learn more and get started.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued 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. This coverage is not sold or guaranteed by your credit union. *Average annual savings based on countrywide survey of new customers from 01/27/2014 to 01/16/2015 who reported their prior insurers' premiums when they switched to Liberty Mutual’s group auto and home program. Savings do not apply in MA.

HOME Insurance
Home, renters and condo insurance at preferred rates.

Safeguard your biggest investment. See how much you could save.

Home insurance protects your home and what's inside it. It covers you against losses or damage from fire, weather, theft and more. And it protects you from liability if an accident happens on your property.

It’s easy to get your fast, free and no-obligation quote today.

Click here to learn more and get started.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued 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. This coverage is not sold or guaranteed by your credit union. *Figure reflects average national savings for customers who switched to the TruStage Auto Insurance Program. Based on data collected between 9/1/2012 and 8/31/2013. Individual premiums and savings will vary.

LIFE Insurance
Term life and whole life options to protect your assets and beneficiaries.

Life insurance can help give you peace of mind today and provide income-tax free money for your family if you die. It can ease the burden of expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.

Life insurance should be simple and affordable. We’ll help you compare whole and term insurance, and explore options you can afford—so you can make a good decision today for your family.

It’s easy to get instant quotes.

Click here to see options online or call 1-855-433-0151 to talk to a licensed agent for friendly, no-pressure advice.

Watch: Why do you need life Insurance?
Watch: What's the difference between term and whole life insurance?

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program is issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Like other insurance, TruStage life insurance policies contain specific limitations, exclusions, termination provisions and requirements for keeping them in force. Please contact us for complete details.

AD&D (Accidental Death and Dismemberment) Coverage
$1,000 complimentary coverage with the option to purchase more.

Accidental death and dismemberment insurance (AD&D) is insurance coverage that pays a cash benefit in the event of an accident that causes death or a serious covered injury.

The National Institutes for Health report that accidents are the leading cause of death for those 44 and under.* That’s why AD&D can be a good supplement to life insurance, enhancing your overall protection and adding coverage for specific serious injuries from accidents.

All NIHFCU can claim their complimentary, no-cost $1,000 coverage with the option to purchase additional coverage at a great price ($100,000 in coverage can cost about $10/month).

It’s easy to get instant quotes.

Click here to learn more and get started. We’re here to help.

*Accident statistic from CDC/National Center for Health Statistics, “Deaths: Final Data for 2013, Table 9.”

HEALTH Insurance
Affordable health insurance plans to fit your budget.

Certain life events give you 60 days to obtain coverage. We can help, so don’t wait.

As a credit union member, the TruStage Health Insurance Program gives you access to GoHealth. Licensed insurance experts are ready to confirm if your event qualifies, check your eligibility for financial assistance, and help you find, compare and buy coverage.

When life changes, simplify your search for affordable health insurance.

Click here to learn more and get started.

The TruStage® Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth LLC. GoHealth LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Hawaii, Vermont and Rhode Island. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Click here to request a complimentary, no-obligation consultation with a financial advisor from NIHFCU Wealth Advisors.