Insurance

Discounts on Insurance: Another Benefit of Ownership

Get the coverage you need, while saving money just for being a member at Rogue Credit Union. Whether you need Life, AD&D, GAP or Credit Life & Disability Insurance, 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 authorized TruStage® Insurance Agency to offer you a way to help protect your family 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 options that are designed to be affordable. 

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

Don’t wait another day to be prepared.

Get an instant quote online today at www.trustage.com/life or call 1-800-814-2914 and talk to a licensed agent.


AD&D Insurance**

Accidents can happen anytime

Accidental Death & Dismemberment (AD&D) may help to provide peace of mind.

An accidental death or serious injury to you or a family member can cause unforeseen financial burdens. AD&D insurance may give 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 receive 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.


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?

Are there time frames limiting me in submitting a claim?

 

Credit Life and Credit Disability Insurance

Credit life and disability insurance can help relieve the financial pressure in the event of disability or death. Member's Choice credit disability and credit life insurance on Rogue loans, can help protect your loan balances or monthly loan payments and help lessen the impact on your family and your credit rating during an unforeseen protected event.


Credit Life and Credit Disability FAQ

Doesn’t my Workers Compensation (or ordinary employee disability insurance) cover my expenses?

Won’t my sick leave through my employer take care of my expenses?

What about my other life insurance coverage? Isn’t that enough?

We have two incomes. Isn’t that enough to carry us through an illness or injury?

I won’t get sick. Why should I consider credit disability insurance?

How will Credit Disability and Credit Life Insurance work with my other coverages?

How do I know if I can afford it?

I have good employee benefits; why should I consider credit disability and credit life insurance on top of what I already have?

Insurance is complicated; what do I do to get this coverage?


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 Member Service Representative, or refer to the Group Policy for a full explanation of the terms.

*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
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**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