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Credit Life and Credit Disability: Payment Protection
Accidental Death and Dismemberment (AD&D)
Members® Life Insurance
Members® Long Term Care
Members® Auto Insurance: Start Smart
Automobile: GAP Insurance - For the Unexpected
Auto Exam Bumper to Bumper Exclusionary Coverage:
Extended Warranty Insurance
Members® Homeowners Insurance
Credit Life and Credit Disability Insurance is available to members
with EFCU loans. It may pay a benefit to help pay off or reduce the debt
in the event of death of the insured, or may provide a monthly benefit
to help pay off or reduce the monthly payments in the case of disability.
The insurance protects your financial stability and credit rating and
is available to members without the hassle of a medical examination. For
more information, speak to an MSR when applying for your loan.
Eligible members are provided $1,000 of Accidental Death and Dismemberment
(AD&D) Insurance at no cost
- Additional coverage for members and their families can be purchased
at low group rates.
- Premiums as little as $1.00 per month per $10,000 of coverage
- Premiums conveniently deducted from your credit union account on a
quarterly basis
- Click Here
for more information.
Our AD&D insurance is underwritten by Monumental Life Insurance Company
and administered by Selman & Company. For information, you can speak with
Selman & Company directly at 1-877-665-7563, and just mention you are with
Energy Federal Credit Union.
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Members Financial Services provides a variety of life insurance options
because families come in all shapes and sizes. They offer Term Life Insurance
as well as Whole Life Insurance.
Term Life Insurance:
- Provides affordable, high-benefit protection for a specific time period.
- Does not include cash accumulation or investment features.
- Proceeds are paid if you die during the term.
- Premiums and benefits may be either level or decreasing.
Whole Life Insurance:
- Offers coverage for your entire life.
- Premiums remain level, the same throughout your lifetime.
- Policy loans can provide a future source of money.
There are obvious advantages to both term and whole life coverage, depending
on your family and your needs. Call a Members Insurance Professional for
information and options for your Life Insurance at 1-877-MEMBERS.
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Long Term Care Insurance encompasses a wide range of services available
for people with chronic physical illness, disability, or cognitive disorders.
Long Term Care is not traditional medical care such as you would receive
in a hospital. For most people, a Long Term Care policy is an affordable
and attractive form of insurance.
The type of policy you decide to buy will depend on your age, assets,
health, retirement objectives and income. Many combinations of benefits
and coverage are available.
Call toll-free at 1-800-443-6003 for more information
and options.
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- Discounts for credit union members
- Convenient payment options
- 24-hour-a-day claims service
- Custom coverage, personal attention
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For a Free, No-obligation Rate Quote: call toll free
at 1-888-380-9287.
Monday-Friday 7:00 am to 10:00 pm CST (8 am – 11 pm EST) or Saturday
7:00 am to 5:30 pm CST (8 am to 6:30 pm EST)
* Coverage provided and underwritten by leading
insurance companies, including Liberty Mutual Insurance Company and affiliates,
175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants
are individually underwritten; not all applicants may qualify. Discounts
are not available in all states and discounts vary by state. The insurance
offered is not a deposit and is not insured by the NCUSIF or guaranteed
by your credit union.
Guaranteed Auto Protection (GAP)* is a voluntary program
that Energy Federal Credit Union offers for your new or used vehicle loan.
This financial protection covers the difference in the balance on a car
and its declared value, as determined by your primary insurance carrier,
in the event that it is damaged beyond repair or stolen and never recovered.
No matter how terrific a car is, the minute you drive it out of the
show room it is worth less. Depending on where you live, the established
market value could be less than the actual balance you owe on your car.
With GAP, if your car is a loss, the deficiency will be covered. That
includes the difference between the market value of the car and the loan
balance, less delinquent payments late charges, refundable warranties,
and other insurance related charges. It will also cover the insurance
deductible up to $1,000 if a deficiency exists.
Consider; you buy a car. The loan balance after one year is $15,000.
The market value is $11,000. Your insurance deductible is $1,000. You
total the car, and your insurance company pays $10,000. That leaves a
difference of $5,000. $5,000 you would have to pay for a car that you
no longer have! With GAP, that $5,000 is paid. Think about it!
When you are applying for your next auto loan, ask about GAP. Alternatively,
if you recently financed your existing automobile give us a call at 800-223-2177
to see if you qualify for GAP.
*GAP Insurance is not available on loans with terms
greater than 84 months.
It’s the most depreciating investment you make. Why not protect
it, like you do your home and even yourself! Our Auto Exam Bumper to Bumper
Exclusionary Coverage is the most comprehensive coverage offered —
and at a fraction of the price you’d get at the dealer.
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- New and Used Vehicles
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Nationwide Coverage
- Towing and Rental
- Emergency Road Service
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- Full Coverage
- Toll Free Claim Service
- Money Back Guarantee*
- And much, much more!
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- Exclusively for credit union members
- Professional advice at no cost or obligation
- Customized advice at no cost or obligation
- 24-hour, 7-days-a-week claims service
- Identity theft coverage
For a rate quote: Call the Insurance Sales Center toll-free
today at 1-888-380-9287.
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Members®
Life Insurance
