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Insurance Solutions

GAP Insurance

We Offer GAP Insurance!

"GAP Advantage" (Guaranteed Auto Protection) protects you in the event that your vehicle is damaged beyond repair or if it is stolen and not recovered.  This insurance product covers the difference between the actual cash value of your vehicle and the car loan balance, less delinquent payments and refundable service warranty contracts.  It will also refund your insurance deductible up to $1,000 and provide $1,000 for down payment on a replacement vehicle, if financed at the credit union.  As a gift to you, with the purchase of GAP Advantage we now provide Auto Deductible Reimbursement (ADR).  If you have a collision or comprehensive insurance claim covered by your auto policy during the ADR coverage period on a vehicle you own, you may be entitled to reimbursement of the covered auto deductible, up to $500 per event.

All of this coverage is available for a one-time GAP Advantage premium of $395 for a coverage amount up to $50,000. Automobile dealers typically charge $500 or more for this product. This is a great deal! If you are in the market for a vehicle loan or already have a vehicle loan at the credit union, simply contact us to apply for GAP coverage.

GAP is also available for Boats and other recreational vehicles in Saginaw, Midland, or Bay City, MI. Contact the call center for details.

Term Life

Term Life is available through Member Protection Plans. Premiums are based on the amount of coverage desired and your current age. Premiums are paid quarterly. Learn more about TruStage™ Term Life Insurance.

Cancer Insurance

American Family Life Assurance Company (AFLAC) offers cancer insurance to credit union members. You must contact an AFLAC insurance agent to apply for this insurance.

Accidental Death

Accidental death and dismemberment insurance is available to members. The policy pays if the insured dies in an accident or suffers the loss of speech, hearing, or a member (hand, foot, eye). The credit union provides $1,000 of free insurance upon the completion of an application. A variety of additional coverage levels are available and a beneficiary is named on the application. Age restrictions apply. Enroll Now

Loan Insurance Plans

Secure Your Loans with Credit Life and Credit Disability

MEMBER’S CHOICE® Credit Life & Disability Insurance helps give you the security of knowing repayment won’t be left to loved ones should something happen to you.

Credit Life and Credit Disability benefits:

Ask your credit union Loan Officer for full benefits and details! If you prefer, call 989-249-8200 or visit

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.


Home Equity Loan Insurance

Single and Joint Life for Home Equity Loans is available from CUNA Mutual. Insurance pays up to $50,000 upon the death of a member. Apply for this insurance at the time that you apply for a Home Equity Loan. Contact Us if you have specific questions or would like to apply for any insurance plan.

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If you are having issues using this website, please call 1-800-227-2328 for assistance.