Insurance

Insurance Options for Members: Another Great Benefit of Ownership

Whether you need Life, AD&D Insurance or GAP Insurance, or Debt Protection, Rogue has great options to help you stay protected.

Life Insurance*

Expect the best out of life, but be prepared.

You’ve always done what’s right for the ones you love. Taking steps to ease the financial burden after you pass away is just one more way to show you care.

Rogue Credit Union has partnered with TruStage® Insurance Agency to offer you a way to help protect your family through a Life Insurance policy that may provide peace of mind and a cash benefit that is typically income-tax free for your family. It can help pay expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.

TruStage helps make it easy to compare insurance and explore affordable options.

  • Compare life insurance options
  • See instant quotes based on your budget
  • Apply online or over the phone

Get an instant quote online today at www.trustage.com/life or call 1.800.814.2914 and talk to a licensed agent.


Accidental Death and Dismemberment Insurance**

Accidents can happen anytime

An accidental death or serious injury to you or a family member can cause unforeseen financial burdens. AD&D Insurance gives you and your family a safety net in your time of need.

How does it work?

As a valued member of Rogue Credit Union, you are eligible to enroll for $2,000 of no-cost TruStage® Accidental Death & Dismemberment Insurance underwritten by CMFG Life Insurance. AD&D Insurance can pay a cash benefit to your beneficiary in the case of an accidental death or covered injury.

What’s covered?

Upon enrollment, AD&D Insurance pays a cash benefit to your beneficiary in the event of accidental death or if you suffer a covered injury. Credit union members, ages 18 and over, can also choose to increase their protection (Member Only Plan) or their family's (Family Plan) with up to an additional $300,000 in coverage.

Acceptance is guaranteed and there are no medical questions.

Enroll today at www.TruStage.com/ADD


GAP Insurance

Rogue Credit Union knows that when you purchase your vehicle you never anticipate getting in an accident or having your vehicle stolen, but unfortunately these situations do happen. GAP Insurance helps pay the difference between the member’s insurance settlement and the outstanding loan balance (the “gap”), if the protected vehicle is stolen and not recovered, damaged beyond repair, or otherwise declared as a total loss. It is not uncommon to have an outstanding loan balance that exceeds the vehicle’s book value. GAP Insurance protects members by paying the insurance deductible and by paying off the balance on the loan after the insurance settlement.

Rogue Credit Union members have the opportunity to purchase GAP insurance at a very affordable price. Compare the costs and make sure you protect yourself by applying GAP insurance to your new loan.

example gap insurance


GAP Insurance FAQ

What causes the gap in insurance coverage?

When can I purchase GAP Insurance through Rogue Credit Union?

Who is eligible for GAP Insurance Coverage?

When does coverage terminate?

Can I cancel my GAP coverage?

How do I file a claim?

What is the time frame for submitting a claim?

 

Debt Protection***

Protect the things that matter most.

If your life takes an unexpected turn, your family’s finances can be strained. But with Debt Protection, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.

  • Involuntary unemployment - a covered job loss occurs
  • Disability - a covered disability occurs due to illness or injury
  • Death - protected borrower passes away
  • Terminal Illness - a covered illness occurs
  • Hospitalization - a covered hospital stay occurs

Take an important step toward financial security. Ask Rogue Credit Union about Debt Protection today.


Credit Life and Credit Disability FAQ

I have sick leave through my employer, will that cover my expenses?

Will my workers comp or employee disability insurance cover me during this time? Do I need the additional credit insurance for my loan?

What about my other life insurance coverage, is that enough?

We have two incomes. Will that be sufficient?

I am a healthy person, do I need insurance?

How do I know if I can afford this loan insurance?

How does enrollment work?

 

*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. Product features may vary and may not be available in all states.  © 2018 TruStage Insurance Agency
WEB-2198473.1-0818-0920

**TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of February 2018 by A.M. Best, an independent rating service that evaluates financial stability and operating performance. “A” is the third-highest of 16 ratings. 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. Product features may vary and may not be available in all states. Base Policy Series E10a-014-2012, E10a-ADD-2012 and E10a-015-2012. © 2018 TruStage Insurance Agency. 
WEB-2198473.1-0818-0920

***Your purchase of Debt Protection Life Plus, Life Plus and Disability or Life Plus, Disability and Involuntary Unemployment 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 Debt Protection Life Plus, Life Plus and Disability or Life Plus, Disability and Involuntary Unemployment. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.