Insurance Solutions

DPW protects the full value you paid for your car, not just it's depreciated value if it totaled or stolen.

The waiver benefit is equal to the difference between your vehicle's MSRP or retail value at the time you purchased DPW, less the amount of your total loan balance at the time you lose your vehicle*.

DPW is Perfect if You:

• Put money down or have equity in your vehicle.
• Want protection from vehicle depreciation and the money you invested.
• Make accelerated loan payments.

Benefits:

• Life of loan protection.
• No mileage, make/model, or vehicle year restrictions.
• Cancels up to $1,000 of your outstanding loan balance in the event of  accidental death.
• Auto Deductible Reimbursement (ADR): Along with purchasing DPW, through Wildfire, you will also be provided with ADR. If you have a collision or comprehensive insurance claim covered by your auto policy during the ADR coverage period on your vehicle, you may be entitled to a reimbursement of the covered auto deductible, up to $500 per event.
  

DPW Facts:

• Cost of Depreciation: New vehicles lose an average of 60% in value during the first five years of ownership.
• Average Annual Depreciation Cost: The average vehicle loses value at $3,334 a year (AAA, “Average Annual Cost of New Vehicle Ownership”).

* The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total vehicle loss. The Maximum Waiver Benefit can vary depending on level of protection selected and/or offered. Please reference the waiver addendum for specifics regarding maximum waiver amounts. The $10,000 Waiver Benefit applies here because waiver amount will not exceed the lesser of the maximum amount listed in the waiver addendum or outstanding loan balance at total loss.

GAP protects you in the event that your vehicle is totaled or unrecovered theft. GAP takes care of your remaining loan balance, if not covered by insurance. Protecting you from the burden of paying off the amount still owed.

GAP Specifications:

• Wildfire’s GAP coverage is typically cheaper than dealerships. 
• Available for Boats and other Recreational Vehicles.
• No mileage, model or year restrictions.
• Auto Deductible Reimbursement (ADR): Along with purchasing GAP, through Wildfire, you will also be provided with ADR. If you have a collision or comprehensive insurance claim covered by your auto policy during the ADR coverage period on your vehicle, you may be entitled to a reimbursement of the covered auto deductible, up to $500 per event.
• GAP Advantage: Receive an additional $1,000 towards your new vehicle financed with Wildfire.

Single and Joint Life for Home Equity Loans are available from TruStage.

Insurance pays up to $50,000 upon the death of a member.

Credit Life insurance may cover the loan balance in case of the borrowers death .  

Features

• All members receive the same insurance rate.
• The monthly insurance premium is added to the monthly loan payment.
• Provides 24 X 7 coverage.
• Rates do not increase due to risks.

Benefits

• Provides financial security.
• Protects collateral and credit rating.
• Removes the financial burden to surviving family members.
• Affordable coverage. 

Credit Disability insurance covers loan payments if the borrower becomes totally disabled due to illness or injury .

Features

• All members receive the same insurance rate.
• The monthly premium for the insurance is added to the monthly loan payment.
• Provides 24 X 7 coverage.
• Rates do not increase due to risks.

Benefits

• Provides financial security.
• Protects collateral and credit rating.
• Affordable coverage.

Specifications:

• Wildfire provides $1,000 of free insurance.
• The policy offers payment in the event of accidental death or the loss of speech, hearing, or a body part (hand, foot, or eye).
• A variety of additional coverage levels are also available.
• A beneficiary is named on the application.
• Age restrictions do apply.

Enroll

Premiums for Term Life are based on the amount of coverage you would like, your current age, and your quarterly wages.

Visit TruStage™ Term Life Insurance to learn more.

TruStage™ is the marketing name for TruStage Financial Group, Inc. 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. CDCL-0512-230E