INSURANCE

TruStage® Insurance: Simple, Straightforward, Budget-Friendly.

Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind. Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Guaranteed Asset Protection (GAP)

GAP is a non-insurance option that is designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft. It is subject to limitations and exclusions, including, but not limited to, loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges. In the event of needing to replace a vehicle, having GAP will provide you with a credit of $1,000 towards the replacement vehicle if financed with SMW 104 Federal Credit Union.

Mechanical Breakdown Protection (MBP)

Mechanical Breakdown Protection (MBP) coverage gives you peace of mind while driving down the road that you have protection against the high cost of auto repairs and labor for both mechanical and electrical vehicle failures. MBP not only repairs your vehicle but offers 24/7 roadside assistance and towing. Even when your vehicle’s warranty has expired, you are still covered through SMW 104 Federal Credit Union and MBP. Contact us today to find out how you can drive without worries!

Benefits of MBP:

  • 24/7 Roadside Assistance & Towing
  • Rental Car Allowance
  • Tire Protection
  • Trip Interruption Coverage
  • Consequential Damage Coverage

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