INSURANCE PRODUCTS
When things don't go exactly as planned
Protect yourself against unexpected disruptions in your cash flow with LFCU's low-cost insurance programs!
What kind of insurance are you interested in?
AD&D
AUTO & HOMEOWNERS INSURANCE
CREDIT LIFE & DISABILITY INSURANCE
DEBT PROTECTION INSURANCE
GUARANTEED AUTO PROTECTION
IDENTITY THEFT PROTECTION
LIFE INSURANCE
LONG-TERM CARE
MONEYGUARD
MECHANICAL BREAKDOWN INSURANCE
PAYMENT PROTECTION (CREDIT) INSURANCE
SHARE INSURANCE ESTIMATOR
TERM LIFE INSURANCE
TERM LIFE INSURANCE
Term life insurance is designed to fill the financial needs of your family in the event of your death. It's a smart way to protect those you care about the most.
Compare policies and premiums from top insurers online. Simply answer a few questions on our Instant Quote page. In just minutes you'll receive competitive quotes from the nation's top Term Life Insurance providers. There's absolutely no obligation and your privacy is guaranteed.
Call (800) 815-7111 for more information or to receive your quote today.
LONG TERM CARE INSURANCE - PROTECT WHAT YOU HAVE SAVED
The older we become, the more likely our health will begin to fail and our need for assistance increase. Your exposure to losing your savings could be high. Long term care is generally not covered by private medical insurance or Medicare. The cost of professional care is expensive, and is likely to eat into the principal of your savings - not just the interest you earn. LFCU's Long Term Care plans offer peace of mind because they give you choices in your care and reduce your dependency on family should you need assistance.
As a Credit Union Member, you may qualify for premium discounts of up to 36% through LFCU's insurance partner, CUNA Mutual Insurance Society. To find out more, please call a Long Term Care specialist at (800) 443-6003 or click here to request more information.
Long Term Care Insurance is distributed through League Insurance Agency, Inc. & Member Protection Insurance Plans, Inc. LIA & MPIP are subsidiaries of CUNA Mutual Group. Similar products may be purchased from an agent or company of your choice. Not federally insured and not underwritten or guaranteed by the credit union.
MONEYGUARD
With the average nursing home expenses topping $180 per day, long term care can rapidly deplete your assets. What's more, Medicare pays little or nothing for long term care, and Medicaid qualifications require that you divest yourself of the wealth you worked so hard to accumulate. MoneyGuard links the benefits of life insurance and long-term care in a single policy. You can draw out of the bucket that meets your most urgent need. Call LFCU Financial Services at (800) 553-3707 for more information.
AD&D
As an LFCU member, you can receive $1,000 worth of free insurance for accidental death and dismemberment insurance. We also offer additional coverage up to $250,000, and family coverage options.
CREDIT LIFE & DISABILITY INSURANCE
Our Credit Life and Disability insurance takes care of your loan payments should you become disabled or in the event of your death. ChargeGard makes the minimum payment on your LFCU Visa until you return to work or your balance is paid in full, up to $11,000.
MECHANICAL BREAKDOWN INSURANCE
Protect yourself and your car from mechanical mishaps. Our plan costs considerably less than the dealers, and can cover most new and pre-owned vehicles. Don't purchase the dealer's extended warranty program without first considering LFCU's MBI program. It could save you hundreds of dollars. Show me more.
AUTO & HOMEOWNERS INSURANCE
For Our California Members
Protect two of the most substantial purchases you'll ever make - your car and home. LFCU has a special no-cost service to help Californians find the most affordable auto and home insurance available. We'll be happy to compare rates from 30 top-rated insurance companies to find the best insurance features and most competitive prices. For a free quote, complete our Insurance Comparison Worksheet or call (800) 328-LFCU, ext. 2294, 8 am - 5 pm, Monday - Thursday; 8 am - 6 pm. Friday.
GUARANTEED AUTO PROTECTION
Protect your investment. Because most insurance policies only cover the value of your vehicle - something that rapidly declines during the first few years of ownership - your loan or lease balance could be higher than the value of your vehicle. GAP covers the difference between your primary carrier's insurance settlement and the amount of your loan or lease, protecting your investment and getting you back on the road as quickly as possible. Show me more.
IDENTITY THEFT PROTECTION
Identity theft has become a critical national issue. Recent government statistics show that more than 27 million Americans have been victims of identity theft over the past five years, including 10 million in 2002 alone. Protect yourself and your identity by taking advantage of our helpful tips and even subscribing to a credit monitoring service such as Credit Expert. Together, we can work to minimize the risk of identity theft happening to you.
LIFE INSURANCE
LFCU can help you take affordable steps to ensure the unfortunate loss of a loved one is not heightened by financial obligations. Here's a sample of a few of our individual term, whole, universal and variable life products:
- ChargeGard covers the total outstanding balance of your LFCU Visa up to $11,000
- Mortgage Life pays off your mortgage
- Credit Life and Disability covers your consumer loans up to $50,000
- Senior Term Life reflects the special interests of members between the ages of 50 and 99
For more information about insurance products, call us at (800) 328-LFCU between 8 am - 5 pm Monday - Thursday, 8 am - 6 pm Friday.
