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Debt Protection
What is debt protection?
Debt protection is a simple, cost-effective way to cancel your loan balance or
reduce your monthly payment if you become disabled, unemployed or pass
away. It helps relieve the financial stress for you and your loved ones if life
takes an unexpected turn.
What is covered?
Depending on the plan you select, our debt protection plan cancels your
outstanding balance if you pass away or your monthly payments for a
specified period if you become disabled or involuntary employed.
Why debt protection might be right for you
• Helps protect your credit rating so you don’t default on a loan
• It’s convenient, the cost of coverage is included in your monthly payment
• Reduces your financial risk so your family can focus on what matters most
What is covered?
• Loss of life: Cancels the outstanding loan balance up to a specified
dollar amount.
• Disability: Cancels up to a specific number of monthly payments.
• Involuntary unemployment: Cancels up to a specific number of monthly payments.
All benefits are subject to plan specific maximums. Connect with a PFCU Lending team member at 800-456-5038 Option 3 to learn more about specific coverage details.
Who is eligible?
You must meet the following to qualify for debt protection:
• Under 70 years old
• In the last two years, you haven’t been advised of, or treated for, or taken any medication for heart attack (or other heart disease or disorder), coronary
artery disease, cancer, stroke, cirrhosis, AIDs, or had a positive HIV test
• Presently working 25 hours or more per week
• Not self-employed
What else should I know?
A few key points of debt protection.
• This is entirely optional coverage, and it won’t affect your application for credit
• Involuntary unemployment that occurs within 90 days after enrollment will not be covered.
Learn how you can help ease your worries and protect your finances with debt protection by connecting with PFCU Lending at 800-456-5038, Option 3.
Disclosures
Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.
We will give you additional information before you finalize the loan. This information will include a copy of the contract containing the terms and conditions of debt protection. PFCU VISA Platinum Rewards Credit Cards and mortgages do not qualify for debt protection coverage.
Eligibility requirements, conditions and exclusions
There are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.
The Contractual Liability Policy is issued by Securian Casualty Company, a New York authorized insurer. Minnesota Life Insurance Company acts as the administrator of the debt protection program. Product availability and features may vary by state.
Securian Financial is the marketing name for Securian Financial Group, Inc., and its subsidiaries. Minnesota Life Insurance Company is a subsidiary of Securian Financial Group, Inc.
How to file a debt protection claim
Accidental Death and Dismemberment
$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
Auto & Home
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
General Life Insurance
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.
LIFE-1112-C9B
Health Insurance
TruStage™ Health Insurance
The TruStage Health Insurance Program: Affordable Health Insurance Made Easy.
The Affordable Care Act means nearly every American must have health insurance. If your employer doesn’t offer a plan, if you don’t qualify for Medicaid and you’re not yet eligible for Medicare, you’ll likely need to purchase a health insurance plan on your own.
The TruStage Health Insurance Program can help. You can easily compare health insurance plans from multiple carriers, get quotes, receive expert advice and purchase coverage that makes sense. You can also determine whether you qualify for financial assistance. For more information, visit www.TruStageHealth.com.© TruStage, 2014. All rights reserved.
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.
TSH-1008962.1-0914-1016