Member Protection Plus

You can’t predict the unexpected, but you can still protect your finances and your family.

You're covered if you can't make your payments

Peace of mind

Life throws curveballs, but with payment protection, you’ve got a safety net.

Budget friendly

Coverage is affordable, and you can include it in the monthly payment for your loan.

Quick and easy application

Applying is simple—just answer a few questions and you're set, no medical exam required.


Here's how you're protected

Your loan payments1 or loan balance may be cancelled if:

  • You’re actively working as a permanent employee2 and you involuntarily lose your job or become disabled due to an injury or illness
  • You’re hospitalized for 48 hours or more
  • You take an unpaid leave of absence for 14 days or more to take care of a family member
  • You’re diagnosed with a terminal illness, with less than 12 months to live3
  • You’re the victim of an accidental dismemberment3
  • You or one of your dependents dies3

Take a look at our insurance options


TruStage Life Insurance

If the worst happens, make sure your family is covered. With whole life and term life options, we can help you choose the life insurance that fits you and your budget.


TruStage Accidental Death & Dismemberment Insurance

Our no-cost AD&D coverage for members gives your family additional coverage if you’re badly injured or killed in a covered accident. You can also buy more coverage if you need it.


TruStage Home Insurance Program

You’ve worked hard to buy your home. Help protect it from fire, weather, theft, and more with the right home insurance. Get a free quote and see how much you could save.


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1One occurrence per rolling 12 months for all events.

2Refer to the Member Agreement for complete terms. Contract maximums apply. See Member Agreement for specific cancellation terms. Your purchase of Debt Protection with Life Plus 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 with Life Plus. 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.

3Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age.